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Lumpsum Calculator

Lumpsum Amount

(₹500 to 1 Cr)

Expected Rate of Returns (% PA)


(1 to 30%)

Investment Period (Years)


(1 to 30 Yrs)


Total Invested


Wealth Gain


Expected Amount

Total Invested

Wealth Gain

Lumpsum Investment Calculator

Investments in mutual funds can be broadly classified into two categories-
lumpsum investments and Systematic Investment Plans (SIPs). Regarding the lumpsum investment, the investor deposits a particular amount in a mutual fund scheme in a single transaction, unlike a systematic investment plan where investors need to invest a fixed amount at regular intervals.

You can use a lumpsum investment calculator available online to estimate the amount of gains on lumpsum investments. You need to have some key elements in your hand while calculating returns on mutual fund lumpsum investment.

These key elements are:

  • Amount to be invested: You need to decide the amount you want to invest at one go. If you invest lumpsum, you may have to invest a minimum of Rs.5,000 with an additional investment of Rs. 1000.

  • Investment horizon: Next, you need to figure out your time horizon or the amount of time you want to stay invested to achieve a goal. For example, you might want to invest a lumpsum amount for your wedding that will take place after three years.

  • Expected rate of return on investment: The expected rate of return is the average annual return you expect from the scheme for that investment duration. The expected rate of return will depend on the fund category and time horizon. You can take a 12% rate if you plan to invest in an equity mutual fund for more than seven years. However, debt funds might not be able to generate the same returns over the same time frame.

  • Risk bearing capacity: Returns and risks are interrelated with each other. The higher risk signifies a potential to earn higher returns.

How to calculate final value of lumpsum investments?

There is a specified compounding interest formula for calculating estimated returns on investments.

A = P (1 + r/n) ^ nt

A = estimated returns
P = Present value of investment
r = estimated rate of return
t = tenure
n = number of times it compounds in a year

Let's understand this with the help of an example-

Suppose you invest Rs. 15 lakh lumpsum in a mutual fund scheme that offers average returns at 12% p.a. and compounds annually for five years.

The estimated future returns, in this case, would be:

A = 15,00,000 {(1 + 12/1) ^ (1*5)}

A = 26,43,513

As you can see, it is a complicated and repetitive calculation that requires time and effort.

Here comes the usability of an online lumpsum investment calculator that can save your time and peace of mind as well.

How to use the Wealthzi lumpsum investment calculator?

There is a stepwise process to calculate returns on investments-

Step 1

Set the amount you are willing to invest lumpsum. You can write it or adjust it through the slider. For example, if you want to invest Rs. 50,000, write 50,000 in the 'amount invested' column.

Typically, 12% is considered to be the average rate of returns for equity mutual funds over the long term.

Step 2

You can see the expected rate of return (% p.a.) in the next step. Here, you have to add the expected rate of return on your lumpsum investment.

Step 3

In the last step of the process, you can see the option named "Time Horizon (# of years)." You have to write down the time period you are willing to hold your investment.

For example, you are willing to hold such an investment for a more extended period, say, seven years. You can mention that.

After following each of these steps, you will get instant final results. When you scroll down, you can see the amount that was invested, maturity amount and wealth gain.

In our example,

Amount invested will be shown as 50,000

The maturity amount or the final value of your investment after seven years will be 110,534, and the gains from your investment will be Rs. 60,534.

This is how the lumpsum investment calculator is making our life easier. You can use various combinations and check the final value.

Benefits of using lumpsum investment calculator

  • Estimate final amount- It may not be easy for everyone to calculate the final accumulated amount. In this aspect, the lumpsum investment calculator helps you estimate your gains and final amount from your lumpsum investment.
  • Financial planning- It is an essential part of our life goals. Using this calculator, you can plan your finances by calculating expected returns on investments. This helps you decide whether you can achieve your goals with your invested amount. If you fall short, you may have to increase your invested amount or stay invested for a longer time frame.
  • Anywhere anytime- A lumpsum investment calculator is an online tool that facilitates investors to use it from anywhere and at any time.
  • Saves time and effort- Most notably, as discussed above, it saves your time and effort as it can calculate your final amount instantly.

Key Takeaways:

  • The lumpsum investment calculator shows gains and final accumulated amount.
  • You can use the lumpsum investment calculator to check how much you can gain before investing an amount in one go.
  • You can change the values of the invested amount, expected rate of return and time as per your preference.

Frequently Asked Questions on Lumpsum Calculator

What is the difference between lumpsum investment and SIP?
When an individual invests at one go in a particular scheme, such an investment is a lumpsum investment. When an individual opts to invest money at regular intervals like monthly, quarterly, or half-yearly, that investment is a systematic investment plan.

Are these calculators accurate?
The lumpsum calculator gives the answer based on the expected rate of return during that time. However, as we can't accurately predict returns, the future value of your lumpsum investment is an indicative figure and may not be accurate.

Which is better: lumpsum or SIP?
If you are willing to invest a predetermined amount at regular intervals, SIP investments are better for you. But if you have a lumpsum amount of money, lumpsum investment is better for you.

Can I invest a lump sum amount every month?
If you can invest a lump sum every month without fail, you will benefit from rupee cost averaging (it helps you to average your purchase cost).

Where can I make lumpsum mutual fund investments?
Every mutual fund house accepts lumpsum investment. You can invest in a mutual fund through an intermediary or directly with the fund house.


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Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

The information is only for consumption by the client and such material should not be redistributed.