Lumpsum = investing a large amount at once. From bonus, property sale, or inheritance — should you invest all at once or spread out?
Calculate Lumpsum Returns
Enter amount and CAGR to see compounding growth.
How Lumpsum Returns Work
FV = P × (1 + r/100)^n
₹10L at 12% CAGR
| Years | Value | Return |
|---|---|---|
| 5 | ₹17.6L | 76% |
| 10 | ₹31.1L | 211% |
| 15 | ₹54.7L | 447% |
| 20 | ₹96.5L | 865% |
| 25 | ₹1.70Cr | 1600% |
Lumpsum vs SIP
Lumpsum beats SIP 65-70% of the time over 10+ years.
| Method | Invested | Value (10yr) | Return |
|---|---|---|---|
| Lumpsum | ₹10L | ₹31.1L | ₹21.1L |
| SIP (₹83K/mo) | ₹10L | ₹19.3L | ₹9.3L |
Lumpsum wins by ₹11.7L — full amount compounds from Day 1.
Historical Nifty 50 Returns
| Period | Best | Worst | Avg | Positive% |
|---|---|---|---|---|
| 1yr | +82% | -52% | +15% | 72% |
| 5yr | +35% | -3% | +12% | 92% |
| 10yr | +22% | +5% | +13% | 100% |
No 10-year Nifty lumpsum has ever been negative.
When Lumpsum vs STP
Lumpsum: 7+ year horizon, market crash, windfall money.
STP: Markets at ATH, <5 year horizon, amount > 6 months income. Park in liquid fund, transfer monthly over 3-6 months.
Power of Compounding
| Period | Start | End | Growth |
|---|---|---|---|
| Years 1-5 | ₹10L | ₹17.6L | ₹7.6L |
| Years 6-10 | ₹17.6L | ₹31.1L | ₹13.5L |
| Years 16-20 | ₹54.7L | ₹96.5L | ₹41.8L |
| Years 21-25 | ₹96.5L | ₹1.70Cr | ₹73.5L |
Last 5 years = 10x what the first 5 years generated.
How to Use the Tool (Step by Step)
- 1
Enter amount
Input lumpsum investment amount.
- 2
Set CAGR
Use 10-12% for equity, 7% for debt.
- 3
Choose period
Select years to stay invested.
- 4
View projections
See future value with year-by-year growth.
Frequently Asked Questions
Lumpsum better than SIP?+−
Statistically yes, 65-70% over 10+ years. SIP better from monthly salary or if risk-averse.
Good CAGR for lumpsum?+−
Nifty 50: 10-14%. Large-cap: 12-16%. Mid-cap: 14-18%. Use 10-12% for planning.
Invest at all-time high?+−
If holding 10+ years, yes. Every ATH investment held 10 years in Nifty has been positive.
What is STP?+−
Park in liquid fund, auto-transfer to equity monthly. Compromise between lumpsum and SIP.
How long to hold?+−
Min 5 years equity, ideally 10+. 100% positive return probability at 10+ years in Nifty.
Calculate Lumpsum Returns
Enter amount and CAGR to see compounding growth.
Use Lumpsum CalculatorRelated Guides
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