CalcLumpsum Investment Calculator
Calculate the future value of your one-time (lumpsum) mutual fund or stock investments based on expected compound annual returns in India.
Maturity Wealth Value
Formula & Calculation
Maturity Value = Investment * (1 + Return Rate / 100)^Years- Investment: One-time principal amount deposited.
- Return Rate: Expected compound annual growth rate (CAGR).
How to Use
- Provide your one-time lumpsum investment amount.
- Input the expected CAGR return rate percentage.
- Select target years of investment compounding.
- Check the future wealth maturity value and estimated capital gains.
Frequently Asked Questions
What is lumpsum investment?
A lumpsum investment is a one-time deposit of a significant sum of money into a mutual fund scheme, stock, or other financial assets, rather than investing in installments.
How does compounding work for lumpsum investments?
Compounding grows your money exponentially as returns are reinvested to generate their own returns. The formula is: A = P(1 + r/100)^t.
Which is better: SIP or Lumpsum?
SIP is ideal for regular salary earners to average market volatility. Lumpsum is better when you have a surplus of cash (e.g. bonus, inheritance) and the market valuation is attractive.
How does inflation affect my lumpsum maturity value?
Inflation reduces purchasing power. If your lumpsum yields 12% returns but inflation is 6%, your real rate of return is approximately 6%.
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