Lumpsum Calculator — what a one-time investment can grow to
Enter an amount you invest once, how long you leave it and the return you expect. See the value at the end, the gain, what it is worth in today’s money — and how the same money would do as a monthly SIP.
What makes up the final amount
- You invest₹1,00,00032%
- Returns earned₹2,10,58568%
The same money as a monthly SIP
🎈 In today’s money at 6% inflation
Track your real investments: import your CAS statement once and Spendly shows every fund’s value and XIRR, kept up to date.
Track my investments →How it is calculated
A lumpsum is invested all at once, so every rupee compounds for the whole period. The value at the end is the amount × (1 + return) for each year it stays invested.
The same total spread over a monthly SIP grows less, because later instalments are invested for less time — but a SIP spreads your entry over many prices. The calculator shows both so you can compare.
Value = amount × (1 + r)ⁿ r = expected annual return, n = years
Questions
Lumpsum or SIP — which is better?
Neither is always better. A lumpsum has more time in the market; a SIP spreads your purchases across many prices and suits a monthly salary. Many people do both: SIPs from salary, lumpsums from bonuses.
What return should I assume?
It depends on what you invest in. Bank FDs pay around 6–7.5%; equity funds have historically returned more over long periods but with ups and downs. Past returns are not guaranteed, so try a lower figure too.
Is the result guaranteed?
No. It shows what a steady return would produce. Real investments move up and down.
How do I track a lumpsum I already made?
In Spendly, add the investment or import your CAS statement — it is priced daily and shows your real return.