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Tools / Lumpsum investment returns calculator

Lumpsum investment returns calculator

One-time lumpsum mutual fund investment calculator. Models long-term compounding returns, future maturity corpus, and wealth multipliers across customizable annual expected growth rates.

Runs entirely in your browser

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About this tool

A lumpsum investment is a single upfront amount left to grow, in contrast to regular contributions. This calculator projects what a one-time investment becomes over time at a chosen expected annual return, showing the maturity corpus, the total gain, and the wealth multiplier — how many times your money grew.

It is the clearest illustration of compounding on a fixed sum: with no further contributions, all the growth comes from the return compounding on itself, so time and rate are everything. Comparing a lumpsum projection against a regular-investment (SIP) plan for the same total shows the trade-off between investing all at once and spreading it out.

It runs in your browser, so your figures stay private. The projection assumes a constant return, but real market returns vary and are not guaranteed, so use it to understand compounding and compare scenarios.

Frequently asked questions

What is a lumpsum investment?
A single upfront investment left to grow, as opposed to regular periodic contributions. All the growth comes from compounding on that one amount.
What is the wealth multiplier?
How many times your original investment grew — for example a multiplier of 3 means the corpus is three times what you put in. It is a quick way to gauge growth.
Lumpsum or SIP — which is better?
It depends on circumstances and market timing. A lumpsum puts all money to work immediately; an SIP spreads risk over time. Comparing both for the same total helps you decide.
Are the returns guaranteed?
No. The projection uses a constant assumed return; actual market returns vary. Use it for understanding and comparison. Your figures stay in your browser.

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