Lumpsum Calculator
Compound a one-time investment across a chosen tenure and assumed annual return.
What the Lumpsum calculator does
A lumpsum calculator compounds a single one-time investment over a chosen period using the formula FV = P × (1+r)^t. It shows the maturity value and total gain for an assumed annual return, letting you compare a one-time deployment against staggered investing.
Your inputs
An assumption you choose — not a projection of any scheme's performance
Used to show what the projected value buys in today's money
Projected value
₹27,36,783
Invested
₹5,00,000
Estimated gain
₹22,36,783
In today’s money: at 6.0% inflation, ₹27.37L in 15 years buys what ₹11.42L buys today — a real gain of ₹6.42L on ₹5L invested.
Year-by-year projection
- You put in18%₹5L
- Projected growth82%₹22.37L
This is arithmetic, not a forecast — the output is a mathematical projection of the assumptions you entered. Illustration only, computed from the assumptions shown — not a forecast, a projection of any scheme's performance, or a guarantee. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
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An illustration of the figures above — what you put in, what it projects to, and what that would buy in today’s money. It is not a review of your investments and not advice.
Start this plan
₹5,00,000 one-time
Choose a fund for this planIllustration only, computed from the assumptions shown — not a forecast, a projection of any scheme's performance, or a guarantee. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
You choose the scheme. GrowIQ does not recommend one — nothing is submitted until you confirm it on the next screen, and the amount can be changed there.
How the lumpsum calculation works
FV = P × (1 + r)ᵗ
P is the amount invested once at the start, r is the assumed annual rate expressed as a decimal, and t is the number of years. All growth compounds annually on the full amount from day one.
Frequently asked questions
Is lumpsum better than SIP?
Neither is universally better. A lumpsum deploys the full amount immediately, which helps if markets rise from that point and hurts if they fall. A SIP spreads entry across time, which averages the purchase price. The suitable approach depends on your cash flow and risk tolerance.
After the numbers
A complete list on the minimum first purchase — not a shortlist. GrowIQ Capital is an AMFI-registered distributor, not an investment adviser: it can tell you what each scheme’s terms are and transact for you, and it does not rate or recommend schemes.
GrowIQ Capital provides financial data analytics, market information and educational content. We are not a SEBI-registered Investment Adviser or Research Analyst. Nothing on this platform constitutes investment advice or a recommendation to buy or sell any security. No returns are assured or guaranteed. Any illustration of returns is a mathematical projection, not a promise. Past performance is not indicative of future returns and does not guarantee future results.