Lumpsum Calculator
Calculate the future value of your one-time investment (lumpsum). See how your money compounds over years at different interest rates.
Investment Planning Guide
Successful investing involves balancing risk and returns. By combining Lumpsum (one-time) and SIP (recurring) investments, you can build a substantial corpus for your goals.
Calculation Examples
| Initial | Monthly | Rate | Years | Maturity |
|---|---|---|---|---|
| ₹50,00,000 | - | 8% | 20 | ₹2,33,04,786 |
| ₹2,00,000 | - | 12% | 10 | ₹6,21,170 |
Investment Strategies
- Diversification: Don't put all eggs in one basket. Mix Equity, Debt, Gold.
- Compounding: The longer you stay invested, the more your money grows.
- Inflation Beat: Ensure your post-tax returns are higher than inflation (typically ~6%).
Frequently Asked Questions
What is Lumpsum Investing?
Lumpsum investing is depositing a large sum of money at once, rather than in small installments (SIP). It allows your entire capital to start compounding immediately.
Is Lumpsum better than SIP?
Lumpsum works best in rising markets as you get more time for compounding. However, SIP reduces risk in volatile markets through rupee cost averaging. Lumpsum is riskier but often yields higher returns if timed well.