How is a lump-sum investment different from a SIP?

A lump-sum investment is a one-time deposit that starts compounding immediately, using A = P × (1+r)^t. A SIP instead adds money in installments, so each installment compounds for a shorter time, usually producing a lower total return for the same total amount invested.

Does this account for taxes on investment gains?

No, the projected maturity value is pre-tax. Actual returns from equity, debt or hybrid investments may be reduced by capital gains tax depending on the instrument and holding period.

Lump-sum Investment Calculator

Estimate the future value of a one-time lump-sum investment.

How this is calculated

A = P × (1 + r)^t

Assumptions used in this calculation

Return assumption: Assumes a constant annual return rate for the full period; actual market-linked returns vary.

About this calculator

The lump-sum investment calculator projects the maturity value of a one-time investment at an expected annual return rate, with a growth chart over the investment period.

Worked example

₹5,00,000 for 10 years at 10% expected return

Result: Maturity value ≈ ₹12,97,000

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Lump-sum Investment Calculator

About this calculator

Frequently asked questions

How is a lump-sum investment different from a SIP?

Does this account for taxes on investment gains?

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