Lumpsum Calculator

The lumpsum calculator lets you easily figure out the potential returns you could earn on your mutual investment. All you are required to do is enter certain details such as your initial investment amount, the expected return rate, and the investment tenure. The calculator will crunch the numbers and give an estimated return on your investment.
Monthly SIP
I want to invest
₹ 1000 ₹ 10000000
For a Period of
1 Y 30 Y
Expected Growth Rate
1 % 30 %

Future value of your Investments

Total Investment

Total Gains

Illustrative Compounded Growth

Select Inflation%

  • 4%
  • 6%
  • 8%

Goal Amount

You need to Invest today

Total Investment

Interest Earned

Illustrative Investment vs Interest Earned*

Total Investment
Interest Earned
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What Is a Lumpsum Calculator?

A lumpsum calculator is a financial tool which helps you compute the expected returns on your investment made with a lumpsum amount of money (a one-time, bulk amount). It considers certain factors such as the initial investment amount, the expected return rate, and the investment tenure. This innovative tool provides an estimated value of the return on investment, which can help you make informed decisions about your money management. It also proves to be a useful tool to compare several investment options and opt for the one which offers the best return on investment. Overall, this calculator is a powerful tool which will help you make better financial decisions to manage your money with more efficiency.

What Is a Lumpsum Investment Plan

Lumpsum investment plan is an investment strategy that allows you to make a one-time payment into an investment product, instead of making periodic payments. This investment can be made from inheritance, savings, or the proceeds generated from selling an asset. After the completion of the investment, you are generally committed to holding this investment for a certain tenure of time in order to reap potential and optimum returns.


Lumpsum investment plans are a good option for you if you have a large amount of money and wish to invest it for a longer duration. It can provide you with an opportunity to take advantage of market fluctuations and potentially earn higher returns in comparison to investing smaller amounts periodically.

Benefits of Lumpsum Investments

Here are some of the benefits of lumpsum investments:

  • Reduced market timing risk: If you have a long-term investment horizon, investing a lumpsum amount can reduce market timing risk. This is so because you do not have to worry about missing out on potential gains if you wait to invest over time.
  • Opportunity to take advantage of market fluctuations: By investing a lumpsum amount, you can take advantage of market fluctuations and potentially earn higher returns when the market is performing well.
  • Simplicity: Lumpsum investing can be simpler than investing small amounts periodically because you make a one-time investment and do not have to worry about ongoing contributions.

How Does a Lumpsum Calculator Work

A lumpsum calculator takes input of certain information like your initial investment amount, tenure, and the expected return rate. After you enter these variables, this tool uses a mathematical formula to compute the estimated return rate on your investment. This formula takes into consideration the compound interest formula, which calculates the interest on the initial investment amount and any interest amount earned over time. The formula is as follows:

A = P x (1 + r/n)^(nt)


A = the future value of the investment

P = the initial investment amount

r = the expected annual rate of return (in decimal format)

n = the number of times interest is compounded per year

t = the number of years the investment is held


This formula allows you to calculate an estimated future value of your investment depending on your input variables. It is also imperative that you ensure that the estimated return provided by the lumpsum calculator is only an approximation and may not be accurate enough. However, this calculator helps you compare several investment options and make informed investment decisions depending on the expected return on your investment.

How to Invest in Mutual Funds via Lumpsum Investment

Follow these steps to invest in mutual funds via a lumpsum investment plan:

Step 1: Download the Bajaj Markets App from the Playstore/App Store or visit the Bajaj Markets  Website

Step 2: Login using your mobile number

Step 3: From the “Investment” section, click on “Mutual Funds”

Step 4: Select the mutual fund you wish to start the Lumpsum Investment Plan in and click on “Invest Now”

Step 5: You will be redirected to a page displaying the fund details. Click on “Lumpsum”

Step 6: Select or type the lumpsum amount and click on “Proceed”

Step 7: Complete the payment through your preferred payment mode

Frequently Asked Questions About Lumpsum Calculator

How is a lumpsum investment plan different from a systematic investment plan (SIP)?

A lumpsum investment plan involves investing a substantial amount of money in one go, while an SIP involves investing small amounts at regular intervals over a period of time.

What factors does a lumpsum calculator consider when calculating returns?

Can a lumpsum calculator predict the exact returns on my investment?

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