Lumpsum Calculator
Estimate what a one-time investment could be worth in the future.
A lumpsum investment is a single, one-time deposit into a mutual fund, stock, or any asset, as opposed to regular instalments like a SIP.
Formula used
Future value = P × (1 + r)^t, with P the amount invested, r the annual rate as a decimal and t the number of years.
Lumpsum or SIP?
Lumpsum works well when you receive a bonus or maturity amount and the market is not at a clear peak. SIP suits regular income and reduces timing risk. Many investors combine both.
Last reviewed 7 November 2026. The formula and assumptions are shown above, and results are estimates, not advice.
Frequently asked questions
Is lumpsum better than SIP?
Neither is always better. A lumpsum can earn more in rising markets, while a SIP reduces the risk of investing everything at a market high.
Does this include tax?
No. Capital gains tax depends on the asset and holding period and is not included.