Lump-Sum Investment Calculator — Growth Over Time | Techovra
Lump-Sum Investment Calculator
See what a one-time investment grows into, and how it compares with spreading the same money over a SIP.
Calculate Lump-Sum Growth
One contribution, compounding for the full tenure. Results update as you type.
Got a bonus, a maturity payout, or savings you're ready to deploy all at once? This is a different calculation from a monthly SIP: one contribution, compounding undisturbed for the full tenure. This lump-sum investment calculator shows you exactly what a one-time amount grows into, market-linked rather than the fixed-rate math a bank deposit uses.
What this tool does
Enter your investment amount, an expected annual return and your time horizon, and this lump sum mutual fund calculator compounds the entire amount forward from day one. That's unlike a SIP, where each instalment starts compounding at a different point in time.
A worked example
Say you invest ₹5,00,000 as a one-time investment calculator scenario, assuming a 12% p.a. return (the mid-range historical CAGR for Nifty 50 over the trailing 20 years) for 10 years.
- Run the formula: Future value = P × (1 + r)^n = 5,00,000 × (1.12)^10 ≈ ₹15,52,924.
Your ₹5,00,000 grows to roughly ₹15.53 lakh, more than triple, over the 10 years, purely from compounding at 12% p.a. with no further contributions.
Lump sum vs SIP calculator: which grows more?
For the exact same total amount invested, a lump sum invested all at once generally out-compounds the equivalent amount spread across a SIP, simply because every rupee in the lump sum starts compounding on day one, while SIP instalments compound for progressively shorter periods as the schedule goes on. The calculator above shows that gap for your own numbers. The trade-off is risk: a lump sum is fully exposed to wherever the market happens to be on the day you invest, while a SIP averages your entry price across many months, smoothing out the risk of investing everything right before a downturn. Our guide on SIP vs lump sum runs the same ₹5,00,000 comparison in more depth.
In practice, most people don't choose purely one or the other. A lump sum from a bonus or maturity payout alongside an ongoing monthly SIP calculator run is the common real-world combination, and the two calculators are built to be used side by side for exactly that. For the total return on your overall portfolio once both are running, the investment return calculator combines them into a single figure.
Frequently Asked Questions
Is a lump sum riskier than a SIP?
For the same total amount, yes, in the sense that timing matters more. Investing the full amount right before a market downturn hurts more than the same money spread across several months. Over long horizons (10+ years), the difference in outcomes between the two approaches tends to shrink, since short-term timing matters less the longer the money stays invested.
Can I use this for a fixed deposit instead of a market investment?
You can, but for a bank FD specifically, our compound interest calculator uses the same math with FD-specific rates and quarterly compounding conventions already built in. This calculator is aimed at market-linked lump sums like mutual funds or direct equity.
This shows you the growth math using a standard historical return assumption. It is not investment advice. Market-linked investments are not guaranteed and past performance does not predict future results.