Lumpsum Calculator
Calculate returns on a one-time investment with compound interest. See how your money grows over time.
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💾 Values are saved locally on your device only — never sent to any server.
Lumpsum Calculator: Grow a One-Time Investment
Lumpsum investing puts a large amount to work immediately — from bonuses, property sales, inheritance, or matured FDs.
Power of Compounding
Your entire principal earns interest from day one. ₹5L at 12% becomes ₹15.53L in 10 years and ₹48.23L in 20 years.
When to Choose Lumpsum
When you have idle cash earning 2.5-4% in savings, markets have corrected, or you have a windfall. Choose SIP for monthly income investing.
Lumpsum vs FD
FDs offer guaranteed returns but after-tax returns barely beat inflation. Equity lumpsum has historically delivered 12-15% over 7+ years.
Managing Risk
Use STP: park in liquid fund and transfer to equity monthly over 6-12 months. Best of both worlds.
Track with Vitta
Monitor lumpsum investments alongside expenses using Vitta.
Frequently Asked Questions
What is lumpsum investment?+
Investing a large amount at once rather than through SIP. Ideal for bonuses, inheritance, or matured FDs. The entire amount earns compound interest from day one.
Lumpsum vs SIP?+
Lumpsum wins if invested when markets are low. SIP protects against bad timing via rupee cost averaging. Best: invest lump sums immediately AND continue SIPs.
How much can ₹10L grow?+
At 12% annual return: ₹31.06L in 10 years, ₹96.46L in 20 years. At 15%: ₹40.46L in 10 years.
Tax on lumpsum gains?+
Equity funds held 1+ year: gains up to ₹1.25L tax-free, above that 12.5% LTCG. Debt funds: taxed at slab rate.