About this lumpsum calculator
A lumpsum investment means putting a single, large amount of money into an investment in one go, instead of spreading it over time. People use lumpsum investments when they receive a bonus, an inheritance, a maturity amount or have idle savings they want to put to work.
This calculator shows what your one-time investment can grow to over a chosen period at an expected annual return. It gives you the future value, the amount you put in, and the estimated gains. The math is simple compounding: your principal grows by the annual rate every year for the number of years you select.
The result assumes the return stays constant and that gains are reinvested. Real mutual fund returns move up and down, and there can be fund expenses, taxes and exit loads. So treat the number as a planning estimate, not a promise.
Use it to compare a lumpsum route with a SIP for the same goal. If you have money sitting in a savings account earning very little, this tool shows the opportunity cost of not investing it. Always match the investment to your risk appetite and time horizon, and consult a financial adviser before committing a large amount.