Calculate returns for one-time investments. See how your money grows with compound interest over time.
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Total Investment
₹1,00,000
Total Returns
₹2,10,585
(210.58%)
Maturity Amount
₹3,10,585
XIRR (Annualized)
12.00%
Lumpsum investment means investing a large amount of money in one go, rather than spreading it over time. Your money grows through the power of compound interest.
Lumpsum
Best when you have a large amount and markets are low
SIP
Best for regular investors and volatile markets
Many investors combine both strategies for optimal results.
StockIQ automatically calculates returns for all your investments. Track lumpsum and SIP investments in one place!
₹28,45,678
Total Portfolio
Invested Amount
₹1,00,000
Total Returns
₹2,10,585 (210.58%)
Maturity Amount
₹3,10,585
Return Rate
12% p.a.
Time Period
10 Years
Lumpsum investment involves investing a significant amount of money in one go. This strategy can be highly effective when timed correctly, especially during market corrections or when you have a windfall.
When you receive a windfall (bonus, inheritance, sale proceeds)
During market corrections or bear markets
When you have high conviction about market direction
For long-term goals (10+ years)
Lumpsum investment carries higher risk compared to SIP, as you invest everything at one price point. If markets fall after your investment, your portfolio value will decline in the short term.
Source: AMFI India | Last reviewed: 2026-02-28
Source: SEBI Investor Portal | Last reviewed: 2026-02-28
Use a lumpsum calculator when you invest a one-time amount and want to estimate future value using expected annual return and duration.
No. It only provides projections based on assumptions. Actual returns depend on market movement, product selection, and holding discipline.
Inflation reduces real purchasing power, and higher-return assumptions usually carry higher risk. Use conservative estimates for long-term planning.