LumpSum Calculator

Lump Sum Investment Calculator with Sliders, Inflation, and Currency Option

Lump Sum Investment Calculator

Total Return: ₹0

Total Inflation: ₹0

Total Value in Future: ₹0

lumpsum investment is a way of investing, an investor invests or deposits a sum of money at once in a particular mutual fund scheme or any other investment plan.

Lumpsum investment calculator

The lump sum investment calculator is a magnificent financial tool mainly designed to analyze the expected maturity over a particular investment period. It helps to estimate future outcomes of your invested money in one go based on the market return, which gives you an insight into how to set your future goal.

Benefits of lumpsum calculator

There are various benefits of the lumpsum calculator.

  • This tool helps you to analyze the estimated future return
  • Manual calculation may take a lot of time but this tool reduces calculation time and your effort and provides you with the accurate expected figure.
  • This tool helps you to make financial decisions for your future references.
  • Using a lumpsum calculator, you can ensure accuracy in analyzing the expected return needed to meet your financial goals and requirements.

Which investment mode should be preferred lump sum or sip?

Generally, there are two ways of investing in any kind of investment plan or mutual fund first is SIP mode () and the second is a lumpsum investment but preferring a lump sum investment or Systematic Investment Plan (SIP) depends on various factors that include individual financial goals, risk tolerance capability, and market dynamics.

lumpsum investment: lumpsum investment is generally done by any investor to get the potential immediate market exposure to get a higher return in a short time.


  • Due to the immediate market exposure lumpsum investment may yield a higher market return than to systematic investment plan.
  • Some investment or mutual fund schemes offer discounts, wave-off expense ratios, and brokerage fees for larger investments.


  • Investing a large sum of money at once may result in immediate losses. If the market faces a huge downfall after your investment.
  • investing a large sum of money in highly volatile market conditions investors may face a high loss and can lose their mental peace and can be bugged psychologically as well.

Systematic investment plan SIP: SIP generally involves investing a fixed amount of money regularly in any mutual funds or investment schemes.


  • SIP benefits the investor by buying more units when prices are low and fewer units when prices are higher it adds to the average pricing cost over time.
  • SIP provides a disciplined investment approach to an investor irrespective of the market downfall or volatility.
  • SIP reduces the short-term market risk or downfall that enables the investor to get a handsome amount of money at the time of maturity and to attain their financial goals.


  • SIP typically needs a longer time horizon to enable an investor to benefit from his investment and to achieve his future goal.
  • you may lose the upside bull market opportunity to generate a higher return on your investment whereas lumpsum investors may yield a higher return at that time.

However, lumpsum investment and SIP have their own advantages and disadvantages, it depends on an investor's stability and market knowledge and preferences. if you lack knowledge about market conditions you should consult with an experienced financial advisor to invest your money in the right way.

How to use/guide the Lump-Sum calculator?

Here is a small and smart guide to using the Lumpsum calculator and understanding the lumpsum investment journey.

  • First of all, select your currency.
  • Type/adjust your investment amount
  • Select the time period of investment to hold it.
  • If you want to add inflation rate adjust or type and then click on calculate

Lumpsum calculator formula



  • FV = Future Value of the investment
  • PV = Present Value
  • r = Interest rate per period (expressed as a decimal)
  • n = Number of time periods

For example, if you invest ₹100,000 (PV) at an annual interest rate of 12% (r) for 10 years (n), the future value (FV) can be calculated as follows:


You can also use the same tool for these. Such as Kotak, HDFC, TATA, Aditya Birla, and SBI mutual fund calculator lump sum.

Where can I invest my money for Lumpsum investment?

There are several options to invest their lump sum money. which consist of their own risk, rate of return, and liquidity.

  • Mutual Funds
  • Stocks
  • Government bonds
  • Gold
  • ETF {Exchange-Traded Funds }
  • Fixed Deposits
  • Real estate etc.


In this tool, you can calculate lumpsum investment with more detail with the inflation rate. this lumpsum calculator provides extra features for your healthy investment with the SIP calculator. and you can calculate your investment prediction maximum of1 to 50 years min 10,000 thousand to 1cr. So, if you have any questions or queries to related this topic please comment below.

What is the formula for lump sum calculator?

This is the FV=PV×(1+r)n lumpsum calculator formula.

Which is best lumpsum or SIP?

If we say in brief, SIP is the best option rather than Lumpsum.

What is the value of 1 lakh before 20 years?

Initial Investment: ₹1,00,000 
Annual Growth Rate (%): 12.0%
Time Period (Years): 20 Years 
Annual Inflation Rate (%): 3.5%
Total Return: ₹ 5,80,524.16
Total Inflation: ₹ 1,69,319.55
Total Value in Future: ₹ 5,11,204.61