💰 Lumpsum Calculator

A lumpsum calculator finds the future value of a one-time mutual fund or investment. Enter your initial investment, expected annual return (CAGR), and number of years to instantly see how much your lumpsum grows. Perfect for calculating returns on one-time investments at any CAGR.

🇺🇸 Calculating for United States

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Lumpsum investment details

One-time investment (₹)

Expected annual return (%)

Investment period (years)

Maturity value after 10 years

₹3,10,584.82

₹1,00,000.00 invested once at 12% expected annual return

Total gains

₹2,10,584.82

Growth multiple

3.11×

Investing gradually instead? A monthly SIP averages out market ups and downs and suits regular income better. Try the SIP calculator →

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Frequently asked questions

How is lumpsum return calculated?▾

Lumpsum maturity value = P × (1 + r)^n, where P = principal, r = annual return rate (as decimal), n = years. This is the standard compound interest formula at annual compounding.

What is a good CAGR for mutual funds in India?▾

Large-cap equity mutual funds have historically delivered 10–12% CAGR over 10+ years. Mid-cap and small-cap funds can return 12–18% but with higher volatility. Debt funds typically return 6–8% CAGR.

Lumpsum vs SIP — which gives better returns?▾

In trending bull markets, lumpsum can outperform SIP as the full amount earns returns from day one. In volatile/declining markets, SIP benefits from rupee cost averaging. For most investors, SIP is safer; lumpsum suits those with timing discipline.

Can I invest lumpsum in mutual funds online?▾

Yes. You can invest lumpsum in mutual funds through AMC websites, SEBI-registered platforms like MFCentral, Groww, Zerodha Coin, Paytm Money, or your bank. KYC must be completed before investing.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.