Lumpsum Calculator
See how a one-time investment grows over time, and how much of the final value comes from compounding rather than your original amount.
Invested
₹1,00,000
Est. returns
₹2,10,584.82
Assumes a constant annual return, compounded yearly. Real returns vary. Calculated in your browser. Nothing is stored.
Why time matters more than timing
With a lumpsum, the single biggest lever is how long you stay invested. Compounding is slow at first and then accelerates, so the last few years of a long horizon add far more than the first few. Doubling your holding period does not double your result, it does much more than that.
Frequently asked questions
What is a lumpsum investment?
A lumpsum is a single one-time investment, as opposed to a SIP where you invest in instalments. You put the whole amount in once and let it compound.
How is lumpsum return calculated?
The future value is the amount compounded at your expected annual return for the full period: future value = amount times (1 + rate) raised to the number of years. This calculator uses annual compounding.
Lumpsum or SIP, which is better?
If you already have the money and markets do well, a lumpsum invested early can outgrow a SIP because more money compounds for longer. A SIP suits investing from monthly income and reduces the risk of putting everything in at a market peak. Many people use both.
What return should I assume?
Use a realistic long-term figure for the asset. Indian equity mutual funds have historically returned in the low-to-mid teens over long periods, while debt is lower. A conservative assumption avoids overstating the result.
Track all your money in one place
These tools answer one-time questions. FinBoom keeps your net worth, investments, and goals live across every account and currency. No bank logins.
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This tool is for informational purposes only and is not investment advice. Results are calculated from the figures you enter.