Lump-Sum Investment Calculator
Project the growth of a single one-time investment.
About this calculator
A lump-sum investment is a single amount invested today and left to compound. This calculator shows what that amount could become at your expected annual return over a chosen number of years, and how much of the final figure is pure growth.
Lump-sum investing puts your full capital to work immediately, which helps when markets rise but exposes you to a poorly-timed entry. Compare the outcome here with the Recurring Investment (SIP) calculator to weigh investing all at once against spreading contributions over time.
Frequently asked questions
How is the future value calculated?
Using compound growth: the principal is multiplied by (1 + periodic rate) for each compounding period. The calculator compounds monthly by default.
Should I invest a lump sum or spread it out?
A lump sum maximises time in the market but adds timing risk. Spreading contributions (an SIP) reduces timing risk at the cost of leaving some cash uninvested early. The right choice depends on your risk tolerance.
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These calculators are for general information and planning only. They use the assumptions you enter and do not constitute financial, tax, or investment advice. Returns are not guaranteed; verify figures independently before making decisions.