Lumpsum Calculator
Estimate returns on a one-time lumpsum mutual fund investment.
Lumpsum vs SIP
A lumpsum invests your whole amount at once, so it compounds on the full principal from day one — powerful when markets rise, riskier if you invest at a peak. SIPs spread the risk across time.
The formula
Future value = P × (1 + r)ⁿ, where P is your principal, r is the annual return, and n is the number of years. Every extra year compounds on a bigger base.
Frequently asked questions
When is a lumpsum better than a SIP?
When you have a large amount ready and markets are reasonably valued or falling. If you fear investing at a high, staggering it via a STP or SIP reduces timing risk.