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Calculate lumpsum investment returns with growth table
Invested Amount
Rs 5,00,000
Est. Returns
Rs 10,52,924
Total Value
Rs 15,52,924
| Year | Opening Balance | Interest Earned | Closing Balance |
|---|---|---|---|
| 1 | Rs 5,00,000 | Rs 60,000 | Rs 5,60,000 |
| 2 | Rs 5,60,000 | Rs 67,200 | Rs 6,27,200 |
| 3 | Rs 6,27,200 | Rs 75,264 | Rs 7,02,464 |
| 4 | Rs 7,02,464 | Rs 84,296 | Rs 7,86,760 |
| 5 | Rs 7,86,760 | Rs 94,411 | Rs 8,81,171 |
| 6 | Rs 8,81,171 | Rs 1,05,741 | Rs 9,86,911 |
| 7 | Rs 9,86,911 | Rs 1,18,429 | Rs 11,05,341 |
| 8 | Rs 11,05,341 | Rs 1,32,641 | Rs 12,37,982 |
| 9 | Rs 12,37,982 | Rs 1,48,558 | Rs 13,86,539 |
| 10 | Rs 13,86,539 | Rs 1,66,385 | Rs 15,52,924 |
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A lumpsum investment in an equity mutual fund compounds the entire capital from day one — making it more powerful than SIP when markets trend upward. The compound annual growth rate (CAGR) formula governs how the investment grows: A = P × (1 + r)^t. Understanding this visually — with year-by-year portfolio value and comparison against equivalent SIP investment — helps investors make better allocation decisions and set realistic wealth targets.
The lumpsum return uses the compound interest formula: A = P × (1 + r)^t, where P is the one-time investment, r is the expected annual return rate, and t is the investment period in years. The year-by-year table computes the portfolio value at each year-end: Year 1 value = P × (1 + r), Year 2 value = Year 1 value × (1 + r), and so on.
For the SIP comparison, the same total amount invested as a monthly SIP is computed using the annuity formula: M × [{(1 + r/12)^(n) − 1} / (r/12)] × (1 + r/12), where M is the monthly SIP amount (total lumpsum / months). The two growth curves are charted together to show the difference at each year.
The Rule of 72 is also displayed: divide 72 by the return rate to see the approximate years to double the investment. At 12%, your money doubles in 6 years; at 8%, in 9 years.
An investor who just received a Rs 10 lakh bonus and wants to invest it as a lumpsum, projecting how much it will grow to in 10 years at 12%.
A first-time investor comparing whether putting Rs 3 lakh as a lumpsum beats a Rs 5,000/month SIP for 5 years at the same return rate.
A homeowner planning to reinvest Rs 50 lakh from a property sale into equity mutual funds and seeing the 15-year growth projection.
A financial advisor showing a client the power of starting a lumpsum early by comparing Year 10 and Year 20 valuations.
Scope note: Returns assume a constant annual rate throughout the investment period. Actual mutual fund returns fluctuate annually and may be significantly different — both higher and lower. Taxes on capital gains (LTCG at 12.5% for equity above Rs 1.25 lakh, STCG at 20%) are not factored into the projected maturity amount. This calculator is for planning purposes only — past market performance does not guarantee future returns.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.
Enter your one-time investment amount using the slider or type a value
Set the expected annual return rate (use presets for quick selection)
Choose the investment time period in years
View year-wise growth table, lumpsum vs SIP comparison, and investment insights
About the Lumpsum Calculator
Lumpsum uses the compound interest formula: A = P(1 + r)^t, where P is the invested amount, r is the annual return rate, and t is the number of years.
Lumpsum generally outperforms SIP in rising markets since the full capital compounds from day one. Historically, lumpsum beats SIP about 65-70% of the time over 10+ year horizons. SIP is better for averaging cost in volatile markets.
Divide 72 by your annual return rate to estimate how many years it takes to double your investment. At 12% returns, your money doubles in approximately 6 years.
No. Mutual fund and equity returns are market-linked and not guaranteed. This calculator uses assumed constant returns for projection purposes. Actual returns will vary.
For conservative projections, use 8-10% (balanced/debt-heavy allocation). For moderate risk (diversified equity funds), 10-12% is a reasonable historical estimate based on Indian market data. For aggressive equity (Nifty 50 index funds), 12-14% reflects the 20-year Nifty 50 CAGR. Avoid assuming returns above 15% for long-term projections.
Lumpsum underperforms SIP when invested at a market peak followed by a prolonged bear market. If the market drops 30% after your lumpsum investment and recovers over 3 years, SIP benefits from buying more units at lower prices during the downturn. The calculator shows both side-by-side so you can see the return gap at different tenure points.
For equity mutual funds held over 1 year, LTCG above Rs 1.25 lakh is taxed at 12.5%. For holdings under 1 year, STCG is taxed at 20%. For debt funds (all maturities post April 2023), gains are taxed at your income tax slab rate. These taxes are not factored into the calculator — deduct them from the displayed maturity amount based on your expected tax rate.
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