Lumpsum Calculator
See how a one-time investment grows over the years with compounding.
A lumpsum investment is a single, one-time amount put into a mutual fund or other market instrument. This calculator shows how that amount can grow over your chosen horizon at an expected rate of return, so you can decide the right holding period for your goal.
How this calculator works
Enter the amount you want to invest today, your investment horizon in years, and the annual return you expect. The tool applies annual compounding and returns the projected maturity value along with the total gains.
The formula
M = P × (1 + r)^n- M
- = Maturity value
- P
- = Lumpsum amount invested
- r
- = Annual rate of return (as a decimal)
- n
- = Number of years
This uses annual compounding. Longer horizons produce disproportionately larger corpora because interest earns interest.
Worked example
Estimated maturity value ≈ ₹15.5 lakh — the investment more than triples, with ~₹10.5 lakh being returns.
Key benefits
- Puts idle surplus to work immediately
- Maximum time in the market for one-time windfalls (bonus, maturity, sale proceeds)
- Simple to track — a single transaction
- Ideal when markets are attractively valued
Smart tips
- Consider staggering a very large lumpsum via an STP to reduce timing risk
- Give equity lumpsums at least 5–7 years to ride out volatility
- Reinvest maturity proceeds to keep compounding going
- Keep an emergency fund separate before locking in a lumpsum