Investment Planner
Lumpsum Investment Calculator
Model real-life investing — add money when you have it, withdraw when you need it. Plan with precision.
Configure Your Investment
Results
Growth Over Time
Corpus value with investments and withdrawals marked
Year-by-Year Breakdown
Complete investment journey with all cash flows
| Year | Opening | Added | Withdrawn | Interest | Closing |
|---|---|---|---|---|---|
Year 1 | ₹5.00 L | --- | --- | ₹60,000 | ₹5.60 L |
Year 2 | ₹5.60 L | --- | --- | ₹67,200 | ₹6.27 L |
Year 3 | ₹6.27 L | --- | --- | ₹75,264 | ₹7.02 L |
Year 4 | ₹7.02 L | --- | --- | ₹84,296 | ₹7.87 L |
Year 5 | ₹7.87 L | --- | --- | ₹94,411 | ₹8.81 L |
Year 6 | ₹8.81 L | --- | --- | ₹1.06 L | ₹9.87 L |
Year 7 | ₹9.87 L | --- | --- | ₹1.18 L | ₹11.05 L |
Year 8 | ₹11.05 L | --- | --- | ₹1.33 L | ₹12.38 L |
Year 9 | ₹12.38 L | --- | --- | ₹1.49 L | ₹13.87 L |
Year 10 | ₹13.87 L | --- | --- | ₹1.66 L | ₹15.53 L |
Year 11 | ₹15.53 L | --- | --- | ₹1.86 L | ₹17.39 L |
Year 12 | ₹17.39 L | --- | --- | ₹2.09 L | ₹19.48 L |
Year 13 | ₹19.48 L | --- | --- | ₹2.34 L | ₹21.82 L |
Year 14 | ₹21.82 L | --- | --- | ₹2.62 L | ₹24.44 L |
Year 15 | ₹24.44 L | --- | --- | ₹2.93 L | ₹27.37 L |
| Total | --- | ₹0 | --- | ₹22.37 L | ₹27.37 L |
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Investing a lump sum — full compounding, but with timing risk
A lump sum puts your entire amount to work from day one, so it enjoys the full compounding period — which, over a long horizon, can produce more than staggering the same money into a SIP. The trade-off is timing risk: if the market falls sharply just after you invest, a lump sum feels it all at once, whereas a SIP would have kept buying through the fall.
This calculator projects the future value of a one-time investment for your amount, expected return and horizon. Because timing is the main risk, many investors with a large sum to deploy use a Systematic Transfer Plan (STP) — parking the money in a low-volatility fund and moving it into equity in tranches over several months — to capture most of the compounding while smoothing the entry point.
How this calculator works
- 1Enter your lump-sum amount, expected annual return and the number of years invested.
- 2The calculator compounds the amount and shows the projected maturity value.
- 3Compare the split between the amount you invested and the estimated gains over the period.
Frequently asked questions
Is a lump sum or a SIP better?
Neither is universally better. A lump sum benefits from full-period compounding and tends to win when markets rise steadily after you invest; a SIP reduces timing risk by averaging your entry across ups and downs. If you have a large sum but worry about the entry point, an STP into equity over a few months is a common middle path.
What return should I assume for a lump-sum investment?
For an equity mutual fund held 7+ years, 10–12% is a reasonable long-term assumption based on historical Nifty 50 returns; for hybrid funds 8–10%, and for debt 6–8%. Use a lower rate for conservative planning. Actual returns vary year to year and are not guaranteed.
Is it better to invest a lump sum when the market has fallen?
Investing after a fall means a lower entry price, which helps if the market recovers — but nobody can reliably time the bottom, and markets can fall further. Rather than wait for a perfect moment, many investors deploy a lump sum in tranches (an STP) to avoid betting everything on a single entry date.
Illustrative only. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
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