Lumpsum Calculator
Project the future value of a one-time investment: see your final corpus, total gain, CAGR, inflation-adjusted wealth, and how many times your money grows.
Guide
A lumpsum investment is a single, one-time deployment of capital — for example investing a bonus, maturity proceeds or an inheritance all at once — which then compounds for the full horizon. It contrasts with a SIP, where you invest smaller amounts at regular intervals.
Because the whole amount is invested from the start, a lumpsum gives compounding the longest possible runway. This calculator applies monthly compounding at the return you assume and projects your corpus year by year, with an optional inflation adjustment that reveals the value in today’s money.
Why it works
The entire amount is invested from day one, so every rupee has the maximum possible time to compound.
Over long horizons, a one-time investment can multiply several times as returns themselves begin earning returns.
A single decision puts your money to work — no monthly transactions to manage or remember.
A bonus, maturity proceeds or an inheritance can be deployed at once rather than sitting idle in cash.
See the corpus in today's purchasing power so you understand what the future value is genuinely worth.
Combine an initial lumpsum with an ongoing monthly SIP to blend immediate deployment with disciplined, averaged investing.
Illustration
A ₹10 lakh one-time investment at an assumed 12% return over 20 years — the default scenario above. Figures are illustrative, not guaranteed.
| Year | Total Invested | Est. Corpus | Returns |
|---|---|---|---|
| 5 | ₹10,00,000 | ₹17,62,342 | ₹7,62,342 |
| 10 | ₹10,00,000 | ₹31,05,848 | ₹21,05,848 |
| 15 | ₹10,00,000 | ₹54,73,566 | ₹44,73,566 |
| 20 | ₹10,00,000 | ₹96,46,293 | ₹86,46,293 |
The difference
Explore
Jump to any of the ArthVeda wealth calculators — each powered by the same projection engine.
Knowledge
Common questions about one-time investments, compounding, inflation, and lumpsum versus SIP.
A lumpsum investment is a single, one-time deployment of capital — for example investing a bonus, maturity proceeds or inheritance all at once — which then compounds for the full horizon. It contrasts with a SIP, where you invest smaller amounts at regular intervals.
You enter the one-time amount, an expected annual return and the duration. The engine compounds the lumpsum monthly at the assumed rate and projects the resulting corpus and returns year by year, with an optional inflation adjustment that shows the value in today's money.
The calculator applies monthly compounding: the corpus grows each month by the monthly equivalent of your annual return, so returns themselves start earning returns. Over long horizons this compounding effect typically accounts for the majority of the final value.
They suit different situations. A lumpsum puts all your capital to work immediately, which helps when you already have the money and markets rise. A SIP spreads entry over time and averages your cost. Many investors combine both — this studio lets you model a lumpsum and a SIP together.
Because markets are hard to time, a common approach is to invest when you have the capital and a long enough horizon for it to compound. The longer the money stays invested, the more compounding can contribute — adjust the duration above to see the effect.
Inflation reduces the future purchasing power of money. When inflation adjustment is enabled, the calculator shows both the nominal corpus and its real (present-day) value, so you can see what your projected lumpsum is genuinely worth at the end of the horizon.
There is no single correct figure. Many long-term investors model conservative and optimistic scenarios — for example 10% and 12% per annum — and compare the outcomes. You can change the rate freely and watch the projection recalculate instantly.
Yes. In the full studio you can set both a one-time lumpsum and an ongoing monthly SIP, with an annual step-up, to model a realistic capital-formation strategy that blends an initial investment with regular contributions.
It depends on the amount and the return. At a 12% assumed return with monthly compounding, a lumpsum can grow to several times the original capital over 20 years. Enter your own figures above to see a precise, year-by-year projection.
No. The projections are deterministic illustrations based on the constant assumptions you enter and monthly compounding. Real markets vary year to year, so treat the output as a planning baseline rather than a guarantee, and consult a qualified financial professional for advice.