Lump Sum Investment Calculator
Calculate returns on a one-time investment over time.
Results
Invested
₹5.00 L
Total gain
₹10.53 L
Final value
₹15.53 L
CAGR
12.0%
Year-by-year growth
| Year | Value | Gain |
|---|---|---|
| 1 | ₹5.60 L | ₹60.0K |
| 2 | ₹6.27 L | ₹1.27 L |
| 3 | ₹7.02 L | ₹2.02 L |
| 4 | ₹7.87 L | ₹2.87 L |
| 5 | ₹8.81 L | ₹3.81 L |
| 6 | ₹9.87 L | ₹4.87 L |
| 7 | ₹11.05 L | ₹6.05 L |
| 8 | ₹12.38 L | ₹7.38 L |
| 9 | ₹13.87 L | ₹8.87 L |
| 10 | ₹15.53 L | ₹10.53 L |
Track all your investments in one place
Add your investments as assets in FlowTrack and watch your net worth grow. No bank linking needed — just honest tracking.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
How does lump sum investing work?
Lump sum investing means putting a large amount of money into an investment all at once, rather than spreading it out over time. This could be a bonus, inheritance, matured FD proceeds, or any windfall that you want to invest for growth.
The main advantage of lump sum investing is that your entire amount starts compounding from day one. In a rising market, this typically produces higher returns than a SIP of the same total amount, because with SIP only a small portion is invested initially.
However, lump sum investing carries more timing risk. If you invest just before a market downturn, your returns could be lower than a SIP. This calculator helps you project lump sum growth and compare it with an equivalent SIP to make an informed decision.