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 ₹60 lakh lumpsum grow to in 25 years?
- What will ₹25 lakh grow to in 7 years at 11%?
- What will ₹2 lakh grow to in 9 years at 10.5%?
- Is investing a ₹3 lakh bonus as a lumpsum worth it over 6 years?
- How much will a ₹40,000 lumpsum be worth in 5 years?
- If I invest my ₹8 lakh savings as a lumpsum, what will it grow to in 10 years?
- What will ₹90,000 grow to in 14 years at 11%?
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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.