MyFinCards

Lumpsum Calculator

Work out what a single one-time investment is worth at maturity. The whole sum compounds for the full term, and the multiplier it works out to is shown on the page rather than hidden inside the result. Paying in monthly instead? Use the SIP calculator.

SIPLumpsum
₹1,00,000
₹500₹1,00,00,000
12%
1%30%
10 Yr
1 Yr40 Yr
Invested amount₹1,00,000
Est. returns₹2,10,585
Total value₹3,10,585

What the Corpus is Made Of

Total Value After 10 Years

₹3,10,585

A lumpsum compounds once a year, so the whole sum is multiplied by 1.1210 = 3.11. There is no monthly rate involved — every rupee is invested from day one and stays invested for the full 10 years, which is why the same money put in at once finishes ahead of the same money drip-fed as a SIP.

Worked Example: ₹1,00,000 Invested Once for 10 Years

You invest ₹1,00,000 once and leave it for 10 years at an effective 12% a year. Every rupee compounds for the full term, and each year's gain is itself invested for the years that follow — which is where the curve comes from.

You put in

₹1,00,000

a single investment

The fund adds

₹2,10,585

211% of what you paid in

Maturity value

₹3,10,585

before tax and expense ratio

This is a projection, not a return

It assumes a steady 12% every year. Real funds deliver a sequence instead, and a bad run early costs more than the same bad run late — which bites hardest on a lumpsum, because the whole sum is exposed from day one. The figure is also gross: the scheme's expense ratio and capital gains tax both come out of it.

What this Calculator Does

It compounds one amount annually over the term you set and splits the result into what you put in and what the market added. On a long holding the second part is usually the larger of the two, and almost all of it arrives in the final years — the single most useful thing a lumpsum projection shows you.

How to Use It

1

Set the amount you are investing in one go.

2

Set the annual return you want to assume, and the number of years.

3

Read the invested amount, the estimated gain and the total value.

4

Switch to the SIP tab to compare the same money paid in monthly instead.

What It Does Not Include

The figure is gross and nominal. It is before the scheme's expense ratio, before exit load, before capital gains tax, and before inflation. It also assumes the same return every year, which matters more for a lumpsum than for a SIP: the entire sum is exposed to the market from the first day, so a bad first year has nothing averaging it out.

Expert FAQ

Frequently Asked Questions

A single one-time investment into a mutual fund scheme, as opposed to a SIP that spreads the same money across monthly instalments. Every rupee is invested from day one and compounds for the whole term.
It compounds the amount annually at the return you enter: M = P × (1 + r)^n, where P is the amount invested, r is the annual return as a decimal and n is the number of years. At 12% over 10 years the multiplier is 1.12^10 = 3.11, so ₹1,00,000 becomes ₹3,10,585.
On a steady assumed return, yes — the same total money invested at once finishes ahead, because the later SIP instalments compound for less time. In reality the assumption is the weak part: a lumpsum exposes the whole sum to whatever the market does next, while a SIP buys more units when prices fall. The lumpsum wins on paper and the SIP wins on sequence risk.
Nobody can tell you the future return of a fund. Long-run Indian broad-market equity index returns have sat near 12% a year, debt funds materially lower. Treat the output as a projection under an assumption you chose, and run it again at a lower rate to see how much the answer depends on it.
No. It is gross. Equity mutual fund gains held over a year are taxed as long-term capital gains, gains under a year at a higher short-term rate, and debt fund gains at your slab rate. The scheme's expense ratio also comes out before you see any of it.
No. The figure is in today's rupees at face value, not in purchasing power. If you want a real return, enter the return rate minus your inflation assumption — roughly 12% minus 6% means setting the slider to 6%.
Many equity schemes charge around 1% if you redeem within a year of investing. This calculator does not deduct it, so a maturity value for a one-year term is optimistic by roughly that much. Beyond the exit load period it does not apply.
Staggering a sum you already hold — a Systematic Transfer Plan from a liquid fund into an equity one — gives up some expected return in exchange for not committing everything at one price. Which is right depends on how much a bad entry point would cost you, not on which produces the larger number in a calculator.
Yes. Additional purchases into the same scheme are allowed at any time; each tranche simply has its own purchase date and cost, which matters for exit load and capital gains. This calculator models a single tranche.
Because each year's gain is itself invested for every year that follows. At 12%, the first year adds 12% of the original amount and the tenth year adds 12% of a figure nearly three times larger. Most of the total gain in a long holding arrives at the end, which is why the term matters more than the rate.