Lumpsum Calculator

How it works

A lumpsum investment puts the entire amount to work on day one, so every rupee compounds for the full period. This calculator applies the classic compound-growth formula with annual compounding.

Here P is the amount invested, r is the annual return you assume, and t is the number of years. Notice how the growth curve bends upwards: in the early years growth looks slow, but later the interest earned each year can exceed your original investment. That bend is compounding — and it rewards patience.

A lumpsum suits money you already have in hand — a bonus, an FD maturity, sale proceeds — that you will not need for several years. If investing a large amount at one market level worries you, a Systematic Transfer Plan (STP) can move it into an equity fund gradually over 6–12 months instead.

Frequently asked questions