Lumpsum Investment Calculator — One-Time Growth
Invested a lump sum once and want to know what it becomes? Enter the amount, an expected annual return and the period — this calculator compounds it and shows the maturity value, the growth earned, and how many times your money multiplied. Works for mutual-fund lumpsums, fixed deposits and one-off investments in any currency.
How to use this tool
- Enter your one-time investment amount.
- Set the expected annual return and the number of years.
- Pick the compounding frequency (monthly is common for funds; FDs vary).
- Press Calculate to see the maturity value and total growth.
Frequently asked questions
What is a lumpsum investment?
A lumpsum is a single one-time investment, as opposed to a SIP where you invest monthly. It's common when you receive a bonus, inheritance or maturity payout and want to put it to work in one go.
Lumpsum or SIP — which gives more?
If markets rise steadily after you invest, a lumpsum usually wins because all your money compounds from day one. But it carries timing risk — investing a lumpsum just before a downturn hurts. SIPs spread that risk. Compare both with our SIP Calculator.
Does this work for fixed deposits?
Yes. Enter the FD interest rate as the return and match the compounding frequency your bank uses (often quarterly). The maturity value will reflect compound interest over the term.
Are the returns guaranteed?
Only for fixed-return products like FDs. For market investments (mutual funds, stocks), the return you enter is an assumption — actual results vary and can be negative in bad years. Use conservative estimates for planning.