Worked Example: ₹10 lakh lumpsum for 10 years at 12%
Inputs
- Investment₹10,00,000
- Expected Return12% p.a.
- Duration10 years
Results
- Maturity Value~₹31,06,000
- Gain~₹21,06,000
A one-time ₹10L at 12% CAGR can triple in 10 years. Compare with SIP for the same total invested amount.
How Lumpsum Calculator Works
Enter one-time investment amount, expected annual return, and investment period to see maturity value and wealth gained.
Frequently Asked Questions
Lumpsum vs SIP – which is better?
Lumpsum works well in falling markets; SIP reduces timing risk through rupee cost averaging.
How is lumpsum return calculated?
Lumpsum uses compound interest: A = P(1 + r/n)^(nt).
When is lumpsum better than SIP?
Lumpsum tends to win in steadily rising markets. SIP spreads risk across months. Use both calculators with your horizon and comfort level.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Investment returns are not guaranteed. Markets can rise or fall.
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