Lump Sum (Mutual Fund) Calculator

How a lump sum investment grows

A lump sum invests a single amount today and lets it compound. Its final value is simply the amount multiplied by growth over your horizon — and because the full sum is invested from day one, it enjoys the maximum time in the market.

The power of a long horizon

Compounding is exponential, so doubling your horizon does far more than double your returns. A lump sum left untouched for 20 years can grow to several times its size, with the majority of the final value being returns rather than the original amount.

Related tools

• SIP vs Lump Sum — should you invest gradually instead?
• SIP Calculator — for monthly investing.
• FD Calculator — a safer, fixed-return alternative.

Frequently asked questions

How is lump sum maturity calculated?

The amount compounds annually at your expected return over the period: final value = amount × (1 + rate) raised to the number of years.

Should I invest a lump sum all at once?

For a long horizon, investing it all at once usually earns more in expectation. If you're worried about timing, spreading it via a Systematic Transfer Plan reduces risk — see SIP vs Lump Sum.

What return should I assume?

Long-term equity returns in India have historically been around 10–12%, but they vary and aren't guaranteed. Use a conservative estimate.