Lumpsum Investment Calculator
A lumpsum investment puts your full amount to work on day one, instead of spreading it out monthly. This calculator compounds a one-time investment at your expected annual return over your chosen duration, so you can see the projected growth and compare it against a monthly SIP of similar total value.
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How This Calculator Works
Compoundly projects the future value of a Systematic Investment Plan (SIP) using standard compound-interest math — the same approach most mutual fund calculators use.
Monthly amount, expected annual return, and how many years you plan to invest.
Each contribution is added at the start of the month, then grows at your expected rate — compounding every month for the full duration.
Optionally factor in a step-up SIP, fund expense ratio, inflation, and estimated tax to see a more realistic, after-cost picture.
Switch modes to plan toward a goal amount, see the cost of delaying, or compare a lumpsum against a monthly SIP.
Frequently Asked Questions
Lumpsum vs SIP — which is better?
Lumpsum can outperform SIP when markets rise steadily, since your full amount compounds from day one. SIP reduces timing risk by spreading purchases across market ups and downs. Many investors use both: a lumpsum for money already saved, and an SIP for ongoing monthly savings.
Is a lumpsum investment riskier than SIP?
It can be, mainly due to timing risk — investing everything right before a downturn affects the whole amount, whereas SIP contributions are spread across different price points. Your time horizon and risk tolerance should guide the choice.
How is the maturity value calculated?
The one-time amount is compounded at your expected annual return, applied monthly, for the number of years you enter.
Does it detect my currency automatically?
Yes — it checks your browser's language and region settings on load, and you can override it manually.