Lump Sum Investment Calculator
Finance & InvestmentProject what a single investment grows to, in nominal and real terms.
Runs entirely in your browser — nothing is uploaded
Features
- Future value with the gain split out from the principal.
- What it is worth in today's money after inflation.
- Compares against spreading the same amount as a SIP.
- Results update as you type, with no button to press.
How to use the Lump Sum Investment Calculator
- 1Enter the amount, the return you expect and how long you will hold it.
- 2Read the projected value and the inflation-adjusted figure.
- 3Compare the SIP equivalent to see what timing is worth.
Frequently asked questions
Is a lump sum better than a SIP?
Mathematically, usually — the whole amount compounds for the whole period rather than trickling in. The trade is timing risk: invest just before a fall and you take all of it. A SIP averages the entry price, which is why it suits money arriving monthly and lump sums suit money already sitting idle.
What return should I assume?
Be conservative. Long-run Indian equity returns have been around 11–13%, but any particular decade can be much worse. Debt and hybrid funds sit nearer 6–9%. Run the calculation at a rate two or three points below your hope and see whether the plan still works.
Why does the inflation-adjusted figure matter more?
Because it is what the money will buy. ₹50 lakh in twenty years at 6% inflation buys what about ₹15.6 lakh buys today. Planning against the nominal figure is how people reach a goal on paper and fall short in practice.