Free Lumpsum Calculator | Unit Converters
Investment Amount
₹5,00,000
Total Gains
₹10,52,924
Maturity Amount
₹15,52,924
How It Works
Enter Details
Investment amount, return rate, time period
Calculate Returns
Get maturity amount and gains
Common Examples
| Investment Amount | Annual Return | Time Period | Maturity Amount |
|---|---|---|---|
| ₹1,00,000 | 12% | 5 years | ₹1,76,234 |
| ₹5,00,000 | 15% | 10 years | ₹20,23,654 |
| ₹10,00,000 | 10% | 15 years | ₹41,77,248 |
| ₹2,50,000 | 8% | 20 years | ₹11,66,190 |
Calculation Table
| Year | Opening Balance | Interest Earned | Closing Balance |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹60,000 | ₹5,60,000 |
| 2 | ₹5,60,000 | ₹67,200 | ₹6,27,200 |
| 3 | ₹6,27,200 | ₹75,264 | ₹7,02,464 |
| 4 | ₹7,02,464 | ₹84,296 | ₹7,86,760 |
| 5 | ₹7,86,760 | ₹94,411 | ₹8,81,171 |
| 6 | ₹8,81,171 | ₹1,05,741 | ₹9,86,911 |
| 7 | ₹9,86,911 | ₹1,18,429 | ₹11,05,341 |
| 8 | ₹11,05,341 | ₹1,32,641 | ₹12,37,982 |
| 9 | ₹12,37,982 | ₹1,48,558 | ₹13,86,539 |
| 10 | ₹13,86,539 | ₹1,66,385 | ₹15,52,924 |
What is Lumpsum Calculator?
What
Lumpsum calculator helps you calculate the maturity amount and returns on your one-time investment using compound interest formula.
Why
Used for investment planning, retirement corpus building, goal-based investing, and maximizing returns on surplus funds.
Applications
Mutual fund investments, fixed deposits, bonds, retirement planning, education funding, and wealth creation strategies.
Frequently Asked Questions
What is lumpsum investment?
Lumpsum investment means investing a large amount of money at once, rather than investing smaller amounts regularly like SIP.
How does lumpsum calculator work?
Lumpsum calculator uses compound interest formula: A = P(1+r)^t, where A is maturity amount, P is principal, r is annual return rate, and t is time period.
Lumpsum vs SIP - which is better?
Lumpsum works well in rising markets and gives higher returns when invested at market lows. SIP averages out market volatility and is good for regular investors.
When should I invest lumpsum?
Lumpsum investment is ideal when markets are at low levels, you have surplus funds, bonus money, or for long-term financial goals.
What is the minimum amount for lumpsum investment?
Most mutual funds allow lumpsum investment starting from ₹500 to ₹5,000. However, for better returns, larger amounts are recommended.