Lumpsum calculator
Calculate returns on a one-time lumpsum investment.
Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.
How this grows over time
if you invest ₹1,00,000 as a lumpsum for 10 years at an expected 12% annual return, it grows to about ₹3,10,585 — ₹2,10,585 in estimated returns. See what investing the same amount as a monthly SIP instead would grow to
What is a lumpsum calculator?
A lumpsum calculator estimates the future value of a single, one-time investment compounded annually at an assumed rate of return — useful for comparing against a SIP of the same total amount spread over time.
Frequently asked questions
When is a lumpsum better than a SIP?
A lumpsum tends to outperform a SIP of the same total amount if invested right before a sustained market rally, since the entire amount starts compounding immediately rather than being staggered in over time — but it also carries more timing risk.
Common questions answered
- How much will a ₹40,000 lumpsum be worth in 5 years?
- What will a ₹15 lakh lumpsum grow to in 8 years at 12%?
- What does a ₹4 lakh lumpsum become over 18 years?
- Is investing a ₹3 lakh bonus as a lumpsum worth it over 6 years?
- Is a ₹25 lakh lumpsum worth investing for just 3 years?
- How much will a ₹60 lakh lumpsum grow to in 25 years?
- How much will ₹1 lakh become in 20 years at 10%?
- If I invest my ₹8 lakh savings as a lumpsum, what will it grow to in 10 years?
- Is a ₹35 lakh lumpsum enough for a 20-year retirement goal?
- What if I invest a ₹12 lakh lumpsum for a 7-year goal?
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Anonymous, not linked to any account — based only on real calculations made on this page. Click any entry to see it worked out.