Lumpsum calculator

See what a one-time investment in a mutual fund could grow to. Enter the amount, how long you'll stay invested and the yearly return you want to assume.

 
–
Talk these numbers through with an expert

For illustration only. Uses a fixed rate you choose; real returns vary every year and can be negative. Not linked to any scheme and not a promise of returns. Taxes not included.

Year by year

See the year-by-year table
Bridgit Second Income™

Turn your SIP into a monthly income

Invest for about 10 years, then take a monthly income from your savings while the rest stays invested. See how it works, with your own numbers.

Explore Second Income →

What is a lumpsum investment?

A lumpsum investment is a single, one-time investment in a mutual fund. Instead of investing a little every month, you put in a larger amount on one day and let it grow.

People often invest a lumpsum when they have money that isn’t needed soon, such as a bonus, a maturing FD, money from selling property, or an inheritance.

How to use this lumpsum calculator

  1. Amount you invest: the one-time amount. Type it in or use the slider.
  2. Time period: how many years you plan to stay invested.
  3. Return you assume: the yearly return you want to test.

You’ll see the estimated value at the end, how much of it is growth, and a year-by-year table.

The lumpsum formula

FV = P × (1 + r)ⁿ

  • P is the amount you invest
  • r is the yearly return (12% = 0.12)
  • n is the number of years

A worked example

Invest ₹5,00,000 for 10 years and assume 12% a year:

  • Estimated value: ₹15,52,924
  • Estimated gains: ₹10,52,924
  • Your money grows about 3.1 times

A quick way to estimate this is the “rule of 72”: divide 72 by the yearly return to get roughly how many years it takes money to double. At 12%, that’s about 6 years.

Lumpsum or SIP?

Feature Lumpsum SIP
How you invest All at once A fixed amount every month
Best when You have a large amount ready now You invest from your monthly income
Market timing Your entry price matters more Averages out over many prices
Discipline One decision Builds a monthly habit

If you have a large amount but are uneasy about investing it all in equity at once, a common middle path is to put it in a liquid or debt fund and move it into equity over 6 to 12 months through a systematic transfer plan (STP). See what monthly investing could do with the SIP calculator.

Things to keep in mind

  • Real returns vary. A fixed rate is useful for planning, but actual returns rise and fall, especially in equity funds.
  • Match the fund to the time frame. Money you need within a few years usually belongs in steadier debt funds rather than equity.
  • Measure what you earned. If you already have an investment and want to know its yearly growth rate, use the CAGR calculator.
  • Turn it into income. A lumpsum can also fund a monthly income through an SWP. Try the SWP calculator or read about Bridgit Second Income.

Questions people ask

What is a lumpsum investment in a mutual fund?
A lumpsum investment means investing a single, larger amount at one time, instead of spreading it over months as in a SIP. People often do this with a bonus, an inheritance, or the proceeds of a sale.
Is lumpsum better than SIP?
Neither is always better. A lumpsum puts all your money to work at once, which helps if markets rise afterwards. A SIP spreads your entry over time, which helps if markets fall. If you have a large amount and are worried about timing, you can park it in a debt fund and move it into equity gradually through an STP.
What is an STP?
A systematic transfer plan moves a fixed amount from one mutual fund to another at regular intervals, often from a liquid or debt fund into an equity fund. It combines investing a lump sum now with entering equity gradually.
What return should I assume?
Try a range. Many people test 8%, 10% and 12% a year for equity funds and lower rates for debt funds. Real returns will not be steady and can be negative in some years.
How is the lumpsum return calculated?
The calculator uses compound interest, FV = P × (1 + r)ⁿ, where P is the amount you invest, r is the yearly return and n is the number of years.

These calculators are for illustration and education only. They use a fixed rate you choose; actual returns vary and can be negative. Results are not investment advice and do not represent any scheme. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Last reviewed 6 October 2026.

QR code: scan to chat with Bridgit on WhatsAppScan to chat
Start with a conversation

Let's build your portfolio.

+91 92899 80930 · Call or WhatsApp · www.bridgit.club

Chat with an expert