Mutual funds
Lumpsum Calculator
Project a one-time investment.
How to use this
Invests a one-time amount and lets it compound. Compare this with a SIP of the same total: a lumpsum usually ends higher in steadily rising markets, but a SIP protects you if markets fall right after you invest.
Future value
₹3.11L
Invested₹1L
Returns₹2.11L
A one-time ₹1,00,000 at 12% for 10 years could become ₹3,10,585.
Year-by-year breakdown
How your one-time investment grows each year
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹1,12,000 | ₹12,000 |
| 2 | ₹1,00,000 | ₹1,25,440 | ₹25,440 |
| 3 | ₹1,00,000 | ₹1,40,493 | ₹40,493 |
| 4 | ₹1,00,000 | ₹1,57,352 | ₹57,352 |
| 5 | ₹1,00,000 | ₹1,76,234 | ₹76,234 |
| 6 | ₹1,00,000 | ₹1,97,382 | ₹97,382 |
| 7 | ₹1,00,000 | ₹2,21,068 | ₹1,21,068 |
| 8 | ₹1,00,000 | ₹2,47,596 | ₹1,47,596 |
| 9 | ₹1,00,000 | ₹2,77,308 | ₹1,77,308 |
| 10 | ₹1,00,000 | ₹3,10,585 | ₹2,10,585 |
Partner offer
Invest this lumpsum in direct mutual funds
Zero-commission direct plans.
Frequently asked
Lumpsum or SIP — which is better?
A lumpsum can work when markets are low or you have idle cash; a SIP averages your cost over time and suits regular income. Many investors use both.
Is the Lumpsum Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the Lumpsum Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.