Lumpsum Calculator
Investing a lump sum and want to know its future value? Our Lumpsum Calculator shows how your one-time investment grows over time with compound interest.
What Is
A lumpsum calculator estimates the future value of a one-time investment based on the initial amount, expected rate of return, and investment horizon, assuming compound growth.
How to Use
- Enter the lump sum amount you plan to invest
- Input the expected annual rate of return
- Select the investment period in years
- Click Calculate to see the projected future value
- Review the year-by-year growth chart
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Frequently Asked Questions
What is a lump sum investment?
A lump sum investment is a one-time investment of a large amount, as opposed to regular periodic investments like SIP.
Is lump sum better than SIP?
Lump sum typically outperforms SIP in rising markets, while SIP reduces risk through dollar-cost averaging in volatile markets.
What rate of return should I use?
Use a conservative estimate. For stocks, 8-12% is common. For bonds, 5-7%. Past performance does not guarantee future returns.
Does this calculator account for taxes?
No, it shows gross returns. Capital gains taxes may apply depending on your country and holding period.
Can I adjust for inflation?
Subtract the expected inflation rate from your return rate to see the inflation-adjusted (real) future value.