Lumpsum Calculator
Are you planning a one-time investment? Use this advanced calculator to see how your money grows over time. Unlike basic tools, we also show you the "Real Value" after inflation and what you lose by delaying your investment.
See value in today's money (Purchasing Power).
Future Value
⏳ Cost of Delay
If you wait just 1 year to invest, you could lose ₹33,000 in potential growth.
🆚 Lumpsum Advantage
By investing lump sum instead of SIP over this period, you earn an extra ₹X due to more time in the market.
📉 Real Value
After adjusting for inflation, your ₹ is actually worth ₹1.7L in today's terms.
Investment vs Growth
🧠 Knowledge is Wealth
Not sure where to invest this Lumpsum? Mutual Funds, FDs, or Gold?
Read Beginner's Guide →💰 What is Lumpsum Investing?
Lumpsum investing is when you invest a significant amount of money in a mutual fund scheme in one go, rather than in small monthly installments (SIP). This is typically done when you receive a bonus, sell an asset, or have surplus cash.
🆚 When is Lumpsum better than SIP?
Mathematically, Lumpsum tends to beat SIP in a rising market because your entire money stays invested for the full duration, compounding for longer. However, SIP is psychologically easier as it reduces the risk of entering the market at a "wrong" time (market peak).
- ✅ Choose Lumpsum: If you have a large sum and a long horizon (7+ years).
- ✅ Choose SIP: If you earn a monthly salary and want disciplined savings.
❓ Frequently Asked Questions
Is Lumpsum better than SIP? ▼
Mathematically, Lumpsum usually generates higher returns in a rising market because your money stays invested for longer. However, SIP is safer in volatile markets as it averages out the cost.
What is the best time for Lumpsum investment? ▼
The best time is usually 'now', provided you have a long-term horizon (5+ years). Trying to time the market bottom is risky and often leads to missed opportunities (Cost of Delay).
Is Lumpsum investment taxable? ▼
Yes. For Equity Mutual Funds, gains realized after 1 year (LTCG) above ₹1.25 Lakhs are taxed at 12.5%. Gains within 1 year (STCG) are taxed at 20%.