Lumpsum Planner
Project the future value of a one-time investment with flexible top-ups. Perfect for bonuses, windfalls, and matured investment rollovers.
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Lumpsum Investment Planning
A ₹10L sitting in a savings account at 4% grows to ₹14.8L in 10 years. The same ₹10L in an equity mutual fund at 12% CAGR grows to ₹31L. That 2x+ difference is compounding in action. The longer your horizon, the wider that gap. This calculator shows your specific numbers so you can decide with full information, not guesswork.
A recurring annual top-up of ₹1L added to a ₹10L base investment at 12% for 15 years produces a final corpus of roughly ₹1.14 crore, compared to ₹54.7L for the base investment alone. Each top-up compounds independently from the year it is added. Model your Diwali bonus or annual windfall here to see the exact impact.
A lumpsum deployed at a market low outperforms SIP because all capital is compounding from Day 1. Over a 10 to 15-year horizon, time in the market consistently beats timing the market. Lumpsum works best when you have a large corpus ready to deploy. For regular monthly savings, SIP is more practical. Both approaches are available in this suite.
A ₹50L corpus in 20 years buys what ₹18.9L buys today at 5% inflation. To calculate your real return, subtract inflation from your expected CAGR. A 12% return with 6% inflation gives you a real return of ~5.7%. Test conservative return rates here to ensure your corpus maintains genuine purchasing power, not just nominal growth.
Frequently Asked Questions
A lumpsum investment is a single large deployment of capital, as opposed to a periodic SIP. It is ideal for bonuses, inheritances, matured FDs, or property sale proceeds. Because the full amount compounds from the start, long-tenure lumpsum investments benefit disproportionately from compounding.
Yes. Use the top-up feature to add investments at any year during the tenure. Each top-up is tracked separately and compounds from the year it is added, giving you an accurate picture of how incremental contributions affect your final corpus.