Investment
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Investment breakdown
Share of invested capital versus net returns at maturity.
Investment vs growth
Watch a single investment compound against the flat capital you put in.
| Year | Investment | Interest | Corpus |
|---|---|---|---|
| Run a calculation to see the yearly schedule. | |||
Also calculate
Switch tools without leaving your flow.
Lumpsum Expense Ratio Calculator
Compare lumpsum growth before and after expense ratio.
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Lumpsum Inflation Calculator
Adjust one-time investment outcomes for inflation.
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SIP Calculator
Plan regular mutual fund SIPs with charts and yearly breakdown.
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FD Calculator
Estimate fixed deposit maturity, interest, and effective yield.
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Projecting a one-time investment
A lumpsum investment puts a single amount to work and leaves it there — a bonus, a maturity payout, an inheritance, or cash that has been sitting in a savings account earning nothing much. Enter the principal, an expected annual return, and how long you plan to stay invested, and this page shows the final value with your capital and the returns separated out.
All at once, or spread over a year?
This is the real question when you are holding idle cash. Investing it now maximises time in the market, which is where most of the long-run return comes from — and exposes the whole amount to a bad first year. Spreading it over several months averages your entry price and costs you some growth. Neither is provably right in advance; the honest tiebreaker is how you would react to a 20% drop the month after investing. Model the recurring version on the SIP calculator and compare.
The formula
With monthly compounding, the final value is P × (1 + i)^n, where i is the effective monthly rate derived from your annual return and n is the total number of months. There is no contribution schedule to model, which is why a lumpsum projection is so much more sensitive to the return assumption than a SIP is — every rupee is exposed for the full tenure.
To account for fund fees or inflation, see the lumpsum expense ratio calculator and the lumpsum inflation calculator.
FAQ
Lumpsum calculator FAQs
What is a lumpsum investment?
It is a single, one-time purchase of mutual fund units rather than a recurring contribution. The money typically comes from a bonus, a matured deposit, a property sale, or savings that have accumulated in a bank account.
Should I invest a lump sum all at once or in instalments?
Investing immediately gives the money the longest possible time to compound, which is what drives long-run returns, but it also exposes the full amount to a bad first year. Spreading it over six to twelve months trades some expected growth for a smoother entry. If a sharp fall right after investing would make you sell, spread it.
How is a lumpsum different from a SIP?
A SIP averages your purchase price across many entry points and suits money arriving monthly. A lumpsum has one entry point, so the outcome depends more on when you invest — and every rupee compounds for the full tenure rather than only from the month it went in.
Why is the result so sensitive to the return I assume?
Because the entire amount is exposed for the whole period, a one-percentage-point change in the assumed return moves the final value far more than it would for a SIP. Use a conservative figure and treat the output as a range rather than a number.
How do I account for fund fees or inflation?
Use the lumpsum expense ratio calculator for the fee, and the lumpsum inflation calculator to restate the result in today’s money. This page shows the gross nominal projection so you can see one effect at a time.