A Lumpsum Investment Calculator finds the future value of a one-time investment compounded over a chosen duration. Useful for comparing 'invest a lump sum vs SIP for the same goal' or projecting bond / FD maturity at a given rate.
What is Lumpsum?
Lumpsum = single, one-time investment, then leave it alone. Opposite of SIP (where you contribute monthly). Mathematically simpler — single principal, compound interest formula, future value.
Use cases: a windfall (bonus, inheritance, sale proceeds) you want to deploy for long-term growth. Or comparing lumpsum vs SIP for the same target. Equity lumpsum has timing risk (you might enter at market peak), but over long periods (10+ years) the entry point matters less.
Future value of lumpsum
- P
- Principal—your one-time investment
- r
- Annual rate—expected return per year as decimal
- t
- Time—duration in years
How to use this calculator
Three inputs: amount, return rate, duration.
Enter the lumpsum amount
Your one-time investment. Could be a bonus, inheritance, FD maturity proceeds, etc.
Enter expected annual return
12% for equity (long term), 7-8% for debt funds, 7% for FD/PPF.
Enter duration
How long the money will compound. The longer, the more dramatic the result.
Lumpsum scenarios
Windfall investing
Bonus, inheritance, business sale — project realistic growth before deploying.
FD vs equity comparison
Same lumpsum at 7% (FD) vs 12% (equity) over 10 years — the gap is striking.
STP from debt to equity
Some investors park lumpsum in liquid funds and STP into equity over months. Calculate end-state at the equity return rate.
Glossary
- Lumpsum
- One-time investment, as opposed to recurring (SIP).
- Future value (FV)
- What an investment grows to over time at a given rate.
- STP (Systematic Transfer Plan)
- Auto-transfer between two funds, often debt to equity, in fixed installments.