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Lumpsum Calculator
Future value of a one-time investment.
Enter values to see your result
Frequently asked questions
Lumpsum vs SIP — which is better?
Lumpsum wins in a rising market; SIP wins in volatile/sideways markets by averaging cost. If you have the cash and valuations are fair, lumpsum generally beats SIP over long periods due to earlier market exposure.
What return rate should I assume?
Indian equity (Nifty 50): 11–13% long-term. Debt funds: 6–8%. Gold: 8–9%. Be conservative — assume 10–12% for equity in planning.
Does inflation affect this?
Yes, significantly. A 12% nominal return in 6% inflation is only ~5.6% real. For goal-setting, use real (inflation-adjusted) returns or inflate the target amount.
Is the return guaranteed?
Only for fixed instruments (FD, PPF, NSC). Market-linked returns are projections based on historical data; actuals can vary significantly year to year.