Lumpsum Calculator
One-time investment. Long-term compounding.
Put in a single amount today. Adjust the amount, tenure and expected return to watch compounding do its slow, ridiculous work.
- Rule of 72: your money doubles roughly every 6.0 years at this rate.
- The last five years alone add ₹11,83,859 — compounding gets serious late.
- You put in ₹5,00,000 once and end with ₹27,36,783 — 5.5× your money.
We compound annually at your chosen rate — no additional deposits after the first one. Real markets won't grow this smoothly, but over long horizons an equity lumpsum tracks the long-term index.
SIP or lumpsum for ₹5 lakh idle money?
If markets are near all-time highs, split it — invest ⅓ now, ⅓ in 3 months, ⅓ in 6 months (STP). If markets just corrected 15%+, put it in as a lumpsum.
What return should I assume?
Same as SIP — 11–13% for diversified equity, 7–8% for debt, 4–5% for liquid funds. Use lower numbers for shorter horizons.
Is a lumpsum in one fund risky?
Yes. Split across 2–3 funds (large-cap + flexi-cap + one debt) so a single fund manager's mistake doesn't hurt everything.
How does compounding actually work?
In year 1, ₹5L at 12% earns ₹60k. In year 15, that ₹60k has itself grown into ~₹3L. That's why the growth curve is so steep near the end.
When should I redeem?
For a goal — start moving to debt 2 years before you need the money. Don't let one bad market month wreck a 15-year plan.
A one-time investment grows purely by compounding. Each year's return is applied to the previous year's balance — the classic snowball.
- Return is smooth and annually-compounded.
- No withdrawals during the tenure.
- Fund fees and tax at redemption are ignored.
- Timing the entry matters a lot for a lumpsum — a 20% drop in year 1 changes the trajectory.
- Real returns for shorter horizons (<5y) can differ wildly.
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