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Estimated future value
Prefer to invest monthly?
Compare a one-time lumpsum with a monthly SIP to see which suits your cashflow and goals.
SIP Calculator → PPF CalculatorWhat is a lumpsum investment?
A lumpsum investment is a single, one-time deposit into a mutual fund, stock or other instrument — as opposed to a SIP, where you invest a fixed amount every month. Lumpsum investing suits a windfall such as a bonus, gratuity or maturity proceeds that you want to put to work all at once.
How this lumpsum calculator works
Enter the amount, your expected annual return and the number of years. The calculator compounds your investment annually and splits the result into the amount invested and the estimated returns. The figure is an estimate — real returns fluctuate and are never guaranteed.
Lumpsum vs SIP
A lumpsum puts your entire amount in the market immediately, so it benefits most when markets rise from the start; it also carries more timing risk. A SIP spreads your investment across months, averaging your purchase price and smoothing volatility. Many investors deploy existing savings as a lumpsum and continue a SIP from monthly income. For long-term goals, use the NPS and tax-free PPF calculators too.
How lumpsum gains are taxed
Gains from equity mutual funds held over a year are long-term capital gains (LTCG), taxed at 12.5% above the ₹1.25 lakh annual exemption; shorter holdings are short-term. Debt fund gains are taxed at your slab rate. See the capital gains guide and estimate the tax in the ITR calculator.
Frequently asked questions
How is lumpsum return calculated?
Future value = investment × (1 + expected annual return) raised to the number of years. The gain is future value minus the amount invested.
Lumpsum or SIP — which is better?
A lumpsum invests everything at once and suits a windfall or low markets; a SIP averages cost over time. Many investors use both.
Are lumpsum returns guaranteed?
No. Market-linked returns vary and are not guaranteed. The calculator uses a constant expected return only as an illustration.