How to use this Lumpsum calculator
When you have a one-time sum to invest — a bonus, maturity payout or inheritance — the question is how much it could grow if left to compound. Unlike a SIP, the entire amount starts working from day one.
This calculator projects the maturity value of a single investment using compound growth, showing both your principal and the estimated gains over your chosen horizon.
Compound growth on a single amount
The calculator applies annual compounding to your one-time investment, so each year's growth is calculated on the previous year's larger balance.
Over long periods this produces a curve that accelerates, which is why time in the market matters more than the size of the initial sum for many goals.
Lump sum versus SIP
A lump sum invested at the right time can outperform a staggered SIP because all the money compounds for longer. The risk is timing — investing just before a downturn hurts more.
Many investors split the difference by deploying a lump sum gradually over a few months.
Reading the result honestly
The projection assumes a fixed return, which real markets will not deliver smoothly. Treat the figure as one scenario, not a promise.
For market-linked products, remember to account for expenses and applicable capital-gains tax when estimating what you will actually receive.