Lumpsum Calculator
One investment, years of compounding. See what a lumpsum becomes. Free, private, no signup.
Your one-time investment
In 10 years
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You invested-
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Lumpsum vs SIP: the honest comparison
A lumpsum invested today beats a SIP of the same total if markets rise — because every rupee gets the full time period to compound. ₹1 lakh at 12% for 10 years becomes ₹3.1 lakh with zero further effort.
- The catch is timing. Invest a lumpsum at a market peak and the first years can sting. SIPs smooth entry; lumpsums reward patience. Got a bonus or maturity payout? Don't let it sit in savings at 3% while you decide.
- STPs split the difference. Park the lumpsum in a liquid fund and drip it into equity via STP — lumpsum returns with SIP-like entry calm.
- Tax: equity held over 1 year = 12.5% LTCG above ₹1.25L/year gains. Debt funds: taxed at your slab.
FAQs
Lumpsum or SIP — which is better?
If you have the money now and a 5+ year horizon, lumpsum usually wins mathematically. SIP wins behaviourally — it keeps you investing when markets scare you. The best plan is the one you'll actually follow.
Should I invest my bonus as lumpsum?
If your emergency fund is set and the horizon is long, yes — or STP it over 6–12 months if market highs make you nervous.
What return should I assume?
10–12% for Indian equity over long periods is the historical range. Use 10% for conservative planning.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Market returns are never guaranteed.