Lumpsum Calculator

Investment Amount

₹ 1000

₹ 10,00,000

Time Period (in year)

1 Year

30 Years

Expected Return (in %)



Invested Amount
Future Value


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Disclaimer: The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Mutual Fund does not provide guaranteed returns. Past performance may or may not be sustained in future and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.


Lumpsum calculator: Overview


There are two main ways to invest in a mutual fund. One is through an SIP and the other is through lumpsum investments. For lumpsum investments, you can invest a bigger sum of money, larger than an SIP, in a mutual fund through a one-time payment. Such payments don’t have to be made at a frequency like SIPs.

Lumpsum investment is when investors invest a large sum of money upfront. By making lumpsum investment, investors can gain from the power of compounding, which may enable them to earn potentially better returns over long term than they would have otherwise. When making a lumpsum, wouldn't it be wonderful to know the estimated future value of your investment? This is where a lumpsum mutual fund calculator can prove to be extremely helpful.


What is a lumpsum calculator?


A lumpsum calculator is a tool that can show you the future value of your lumpsum investment once you enter the total investment, the estimated return rate, and the investment horizon. The lumpsum mutual fund calculator estimates the future value of your lumpsum investment using the compound interest formula.

Some people confuse the lumpsum calculator with the SIP calculator, or even wrongly refer to it as the lumpsum SIP calculator. However, the correct term is lumpsum calculator. On the other hand, if you are investing in mutual funds through SIPs, you must use an SIP calculator.


How can lumpsum calculator help you?


One of the various mutual fund calculators that are now available online is the lumpsum calculator.
You can benefit in the following ways:

  • Get an idea of the future value of investments: Calculating the future value of your lumpsum investment manually can take a lot of time. With only a few clicks, a lumpsum mutual fund calculator enables you to quickly determine the expected future worth of your investment.

  • Select a suitable tenure: After deciding on your investment amount, you can modify the lumpsum calculator's tenure to see the results. You can plan your investment efficiently if you can find an appropriate tenure.

  • Align investment to financial goals: With the help of a lumpsum mutual fund calculator, you can adjust the input values to align your investment with your financial objectives.


How does a lumpsum calculator work?


A lumpsum calculator is a sophisticated yet very easy to use tool that helps you estimate your mutual fund returns. With just three inputs, it makes complex compound interest calculations in a matter of seconds to compute the expected returns. You can change the numbers in the designated slots or move the slider to see how your returns change with the different values for amount/tenure/interest rate. Moreover, you can keep modifying the input values to adjust the expected returns to your desire.
You can estimate the future value of your investment with the help of a lumpsum calculator. With just three inputs, it makes complex compound interest calculations in a matter of seconds to calculate the estimated future investment value. You can adjust the numbers in the designated slots or nudge the slider to watch how your returns alter when the amount, tenure, and interest rate are altered. Additionally, you can keep changing the input values to customize the expected outcomes.


How to use a lumpsum calculator?


To understand the investments you are planning and the potential future value, you need to enter the amount to invest, the expected return rate, and the time period for which you are investing in the calculator. Once you enter this information, the lumpsum mutual fund calculator will tell you what your returns will be in seconds.
From there you can change the investment amount, or the tenure to match your financial goals. This is an important step since it helps you understand if you should be investing more or for a longer time to meet that goal. However, the maturity amount, or the returns that the calculator shows may differ from those that you get when you invest since those are dependent on various factors including the prevailing market conditions.

Here are the three steps to use a lumpsum calculator:

Step 1: Enter the amount invested in mutual fund.
Step 2: Enter the time period in years for which you want to see the estimated future value. It can range anywhere from 1 year to 30 years.
Step 3: Enter the expected rate of return. This value can also range from 1% to 30%.

Once you enter these details, the lumpsum calculator will give you the estimated value of your investment.


Advantages of a lumpsum calculator


Convenience: Because a lumpsum MF calculator is an online tool, you can use it whenever you want to find out your expected future value of your mutual fund investments.

Get a close estimate: Because mutual fund returns are dependent on market conditions, they are not fixed. The lumpsum calculator can help you with the possible estimate of your investment value.

Plan your investment: You can change the values in the lumpsum calculator as many times as necessary to obtain the desired results. You can use this to plan your investment and advance your financial objectives.


Frequently Asked Questions




While a lumpsum, like an SIP, is a way to invest in a mutual fund, it is different from an SIP because all the investment amount is paid at once. Unlike in an SIP where the investment amount is paid over a period in monthly instalments.

The minimum amount that you can invest as a lump sum will be determined by the minimum investment amount of the fund. For example, if the fund allows a minimum investment of Rs. 500 then you’ll have to invest at least Rs. 500. There is no maximum limit to investments in mutual funds.

The lumpsum investment calculator is accurate based on the values you provide. However, you should note that the returns shown in this calculator are estimates based off your inputs. The actual returns may vary depending on the fund performance and prevailing market conditions