💼 What is a Lump Sum Investment Calculator?

A Lump Sum Investment Calculator helps you estimate the future value of a one-time investment over a fixed period — factoring in compound interest. This is ideal when you have a large amount to invest upfront, such as a bonus, inheritance, or FD maturity.

Whether you’re investing in mutual funds, stocks, or fixed-income options, this tool shows you how much your money can grow over time.

🛠️ How to Use:

1. Enter your one-time investment amount (e.g., ₹5,00,000).

2. Input the expected annual return (e.g., 12% for equity mutual funds).

3. Choose your investment duration in years.

4. Click Calculate to see:

   • Future Value of your investment

   • Total Interest Earned

   • A growth chart showing value over time

📈 Example:

• Investment: ₹5 Lakhs

• Return: 10% p.a.

• Duration: 10 years

📊 Result:

• Future Value: ₹12.97 Lakhs

• Interest Earned: ₹7.97 Lakhs

💡 When to Use Lump Sum Investment?

• When you have idle cash (e.g., after selling property or FD maturity)

• For long-term goals (5+ years)

• In market dips (buying opportunities)

Tip: For SIP vs Lump Sum comparison, check our Goal Planner Calculator.

🙋 Frequently Asked Questions

Q1: What’s a safe expected return?
A: For equity funds, assume 10–12%. For FDs or PPF, use 6–8%.

Q2: Does it account for taxes or inflation?
A: No, this gives a gross return. Use inflation calculator separately to estimate real value.

Q3: Can I use this for debt mutual funds or REITs?
A: Yes, just adjust the return rate based on historical averages.