Lumpsum Calculator

Lumpsum calculators are easy to use calculators that use specific formulas and algorithms to help investors manage and plan their finances by providing them with an estimated return on their investments. Whether you are a first time investor or a seasoned professional, 5paisa’s Lumpsum Calculator takes the hassle out of complex calculations and simplifies your investment journey. 

  • Invested Amount
  • Wealth Gained
  • Invested Amount
  • ₹50000
  • Wealth Gained
  • ₹105291
  • Expected Amount
  • ₹155291

Unlock Your Wealth Potential with Lumpsum Investment

Please Enter Mobile Number

5paisa online lumpsum calculator uses a specific formula to calculate the returns:


A is the expected return made by the lumpsum investment
P is the present value of the invested amount
r is the rate of return
t is the time duration of the investment
n is the frequency of compound interest in a year


Let us understand this with an example,

Suppose you invested Rs. 15 lakh in a mutual fund scheme that offers 12% annual returns and compounds every six months for five years.

In this case, the estimated future returns are

A = 15,00,000 (1 + 12/2) ^ 2/5


As you can imagine, this is a complex equation that may be beyond the grasp of the majority of new investors. This is where a lumpsum calculator comes in handy, as it can perform this calculation instantly.


The estimated returns at the end of the tenure in this case are Rs. 26,43,513.

A 5paisa mutual fund lumpsum calculator is a computerized tool that performs all of the complex math for you. Typically, an investor must enter the following information into the tool:


- The size of the investment
- The time frame for which they are willing to remain invested
- The expected rate of return that the investor expects a mutual fund scheme to earn.

After entering the above information, the lumpsum calculator will compute the maturity value of the mutual fund investment.

The following are some of the advantages of investing in mutual funds using the lumpsum investment methodology:

Investing a substantial sum
Investors can invest a significant amount in a mutual fund scheme using this method. As a result, if the market enters a growth phase, the investment value can skyrocket.

Long-term investments are ideal
Lumpsum investments can be ideal for those looking to invest in a mutual fund for a longer period of time, say 10-15 years.

Investing Convenience
An investor does not have to be concerned about investment deadlines or saving enough money each month to invest.

A lumpsum is defined as a single large sum of money and a lumpsum investment is one in which the entire amount is invested all at once. 


For example, if an investor wants to invest his/her entire capital in a mutual fund all at once, this is referred to as a lump sum mutual fund investment.


Lumpsum mutual fund investments are typically preferred by prominent players and investors who rely heavily on company stock appreciation for capital creation. This type of investment is suitable for those with a large investment amount to invest and a willingness to take on higher risks. 

A Lumpsum Calculator predicts the future value of an investment made today at a given interest rate. For example, if you invest 1 lakh rupees for 60 years at 15% interest, the future value of your investments will be a staggering 43.8 crores after 60 years, according to the lumpsum calculator. 

Frequently Asked Questions

The following are some pointers to help you understand the difference between SIP and lumpsum investment:

1. No. of Investment: Lumpsum is one-time investment with a larger sum, whereas SIP is regular, periodic investments with fixed amounts.

2. Cost Averaging: SIP benefits from rupee cost averaging, reducing average cost per unit over time. Lumpsum lacks this advantage.

3. Market Timing: Lumpsum requires timing the market, while SIP eliminates the need by investing at regular intervals.

4. Convenience and Affordability: SIP allows smaller, budget-friendly investments, fostering a disciplined investment habit. Lumpsum may require a larger upfront amount.

5. Risk Management: SIP spreads investments, reducing risk by minimizing the impact of market volatility. Lumpsum carries higher initial risk exposure.


Both of these investment instruments have advantages and disadvantages. A lumpsum investment relieves an investor of the burden of keeping track of the amount to be invested each month as well as the changing NAV, but it may be a significant financial burden at first. SIP does not place a strain on an investor's finances, but it does necessitate more involvement on his or her part.

These days, lump sum mutual fund investments are done online. There are several online platforms, such as 5paisa, where you can invest in all major funds with just a few clicks.

Lumpsum calculators are as accurate as they can be, but you must understand that mutual fund investments are subject to market risks and volatility, so there are chances of discrepancies.

5paisa’s Lumpsum Calculator uses updated formulas and algorithms to calculate the expected wealth gained based on your investment. All you need to input into the calculator is your investment amount, the investment period in years, and the estimated interest rate. 5paisa’s Lumpsum Calculator will then show you the expected amount of your returns in an easy to understand graph. 

Yes, 5paisa’s Lumpsum Calculator can show the return from your mutual fund investments. Mutual fund investments are divided into two types: Lump Sum and Systematic Investment Plans (SIP). 5paisa has Lumpsum and SIP calculators to help you calculate your returns.

Each mutual fund has its minimum investment requirement, ranging from Rs 100 to lakhs of rupees, depending on its investment objective, management fees, and other factors. In India, the Securities and Exchange Board of India (SEBI) mandates that mutual funds offer a minimum investment amount of ₹100 for lumpsum investments.

Disclaimer: The calculator available on the 5paisa website is intended for informational purposes only and is designed to assist you in estimating potential investments. However, it is important to understand that this calculator should not be the sole basis for creating or implementing any investment strategy. View More..

Open Free Demat Account

Be a part of 5paisa community - The first listed discount broker of India.