Calculator
Lumpsum Investment Calculator
Calculate how a one-time investment grows over time. See the power of compounding on your lump sum amount.
Future Value
₹15.53 L
Amount Invested
₹5.00 L
Your one-time investment
Wealth Gained
₹10.53 L
211% total return over 10 years
Growth Breakdown
Rule of 72: Your money doubles every ~6.0 years at 12%
What is Lumpsum Investment?
A lumpsum investment is a one-time investment of a large amount into a mutual fund, fixed deposit, or other instrument. Unlike SIP, the entire amount starts compounding from day one, which can lead to higher returns if the timing is right.
Lumpsum vs SIP: When to Choose What
Lumpsum works well when you receive a bonus, inheritance, maturity proceeds, or any windfall. It's ideal when markets are low or fairly valued. SIP is better for regular income earners who want to invest consistently and reduce timing risk through rupee cost averaging.
The Rule of 72
Divide 72 by your expected annual return to estimate how many years it takes to double your money. At 12% return, your money doubles roughly every 6 years. At 15%, it doubles every 4.8 years. This simple rule helps you set realistic wealth-building expectations.