Smart Lumpsum Investment Calculator
Not a fan of SIP? Calculate one-time investment growth potential with advanced features like top-ups during the duration of corpus. Perfect for bonuses, windfalls, and large investment amounts.
One-Time Investment
Invest large amounts at once and watch them compound over time
Flexible Top-ups
Add more money anytime during tenure to boost your corpus
Growth Tracking
Visual timeline showing how your investment grows year by year
Goal Planning
Calculate exact amount needed for your financial targets
Lumpsum Investment Planner
Plan and project the future value of multiple one-time investments.
Why Choose Lumpsum Investment?
Higher Growth Potential
When markets are favorable, lumpsum investments can generate higher returns than SIP since your entire amount is invested from day one and compounds longer.
Simplicity & Convenience
One-time investment means no monthly commitments, standing instructions, or tracking multiple payments. Ideal for busy professionals with irregular income.
Perfect for Windfalls
Got a bonus, inheritance, or matured investment? Lumpsum is ideal for immediately putting large amounts to work instead of letting them sit idle.
Flexible Top-up Options
Add more money whenever you have surplus funds. Our calculator shows how additional investments during tenure can significantly boost your final corpus.
Clear Growth Visualization
See exactly how your money grows year by year with compound interest. Understand the power of time and compounding for long-term wealth creation.
Goal-Based Planning
Working towards a specific target? Calculate exactly how much to invest and for how long to reach your financial goals with lumpsum approach.
💡 Lumpsum vs SIP: When to Choose What?
Both have their advantages. Here's when lumpsum investments work better than SIP.
Choose Lumpsum When:
- You have a large amount available immediately
- Markets are at attractive valuations
- You prefer simple, one-time investments
- Expecting windfall money (bonus, inheritance)
- Want to maximize compounding time
Choose SIP When:
- You have regular monthly income
- Markets are volatile or uncertain
- Building investment discipline gradually
- Don't have large amount immediately
- Want rupee cost averaging benefits
Pro Tip: You can combine both! Start with a lumpsum and add SIP for regular investments, or use our tool to plan additional lumpsum top-ups alongside your existing SIPs.
Perfect Lumpsum Investment Scenarios
Festival Bonus Investment
- Diwali bonus of ₹2L invested for 5 years at 12%
- Add Holi bonus next year as top-up investment
- Target: Child's higher education fund creation
Inheritance Money Planning
- ₹10L inheritance invested for 10 years at 10%
- Add ₹1L annually from salary savings as top-ups
- Target: Early retirement corpus building
Matured Investment Rollover
- ₹5L FD matured, reinvest in equity for 7 years
- Add quarterly bonuses as additional investments
- Target: House down payment accumulation