Calculate how a one-time lumpsum investment grows over time. See compound growth year by year. Free lumpsum returns calculator for Indian investors.
HOW IT WORKS
The one-time amount you want to invest — a bonus, windfall, or savings.
Choose your expected annual return and how many years you plan to stay invested.
Get your maturity value and year-by-year growth showing how compounding accelerates in later years.
FAQ
A lumpsum investment is a one-time, large investment made at once — as opposed to SIP which is spread across months. It is suitable for investing a bonus, inheritance, salary arrears, or any large sum when you have it available.
Lumpsum investing outperforms SIP in bull markets since the entire corpus benefits from growth from day one. SIP outperforms in volatile or bear markets due to rupee-cost averaging. If you have the capital and the market is not overvalued, lumpsum has historically outperformed SIP in flat-to-bull markets.
With compounding, your returns earn returns. At 12%, ₹1 lakh becomes ₹3.1 lakh in 10 years, ₹9.6 lakh in 20 years, and ₹30 lakh in 30 years. The acceleration in the later years is the power of compounding — this is why starting early with any amount is critical.
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