Formula
A = P × (1 + r)^nCompound interest with annual compounding.
Where
- A= Maturity amount
- P= Principal (one-time investment)
- r= Annual rate of return (in decimal)
- n= Number of years invested
How to use the Lumpsum Calculator
- 1Enter the one-time amount you want to invest.
- 2Choose the holding period in years.
- 3Set the expected CAGR based on the fund category.
- 4View projected returns and final corpus.
Why it matters
- Captures the full return curve over the period.
- Simple to track — no recurring debits.
- Best for investors with surplus capital and high conviction.
Ready to invest?
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Frequently asked questions
When should I prefer lumpsum over SIP?+
When markets are clearly undervalued, or when you receive a one-time bonus you don't need short-term.
What CAGR should I assume?+
10–12% for diversified equity, 7–8% for hybrid, and 5–6% for debt funds.