Lumpsum Investment Calculator
Have a bonus, maturity payout, or windfall to invest? See what it compounds into over time.
Value after 10 years
₹3.11 L
- Amount invested
- ₹1 L
- Estimated returns
- ₹2.11 L
Assumes annual compounding at a constant rate. Actual market returns vary year to year.
About this calculator
How it works
The calculator applies compound interest — principal × (1 + rate)^years — so returns themselves earn returns each year.
Lumpsum vs SIP
A lumpsum puts your full amount to work immediately, which wins in steadily rising markets. A SIP spreads entry risk. Many investors split a windfall: part lumpsum, part staggered.
The power of time
At 12%, money doubles roughly every six years. The biggest driver in this calculator isn't the rate — it's how long you stay invested.
Plan the downside too
Before locking money into long-term investments, keep an emergency fund and adequate health and term cover so you never have to redeem at a bad time.