Lump Sum Investment Calculator
Calculate the future value of a one-time investment with annual compounding — and see how inflation erodes the real value.
Enter Your Numbers
How this calculator works
A lump sum investment benefits fully from compounding from day one. Unlike SIP, the entire principal earns returns immediately. This calculator shows both nominal and inflation-adjusted (real) future value so you understand the actual purchasing power of your corpus.
FV = PV × (1 + r)ⁿ | Real FV = FV / (1 + inflation)ⁿ
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Buy market dips
Lump sum works best when markets are down. SIP is better during uncertain markets.
Rule of 72
Divide 72 by your return rate to know when your money doubles. At 12%, money doubles every 6 years.
Rebalance annually
If investing a lump sum in equity, rebalance to your target allocation once a year to lock in gains.
Frequently Asked Questions
Lump sum works best when markets are down. SIP is better during uncertain markets.
Divide 72 by your return rate to know when your money doubles. At 12%, money doubles every 6 years.
If investing a lump sum in equity, rebalance to your target allocation once a year to lock in gains.