Lump Sum Calculator
Project how a one-time investment compounds over the years, with inflation-adjusted results and selectable compounding frequency.
How this works
Your amount is invested on day one and interest accrues monthly, crediting to the balance at the compounding frequency you select — which is why monthly compounding beats yearly at the same nominal rate. The Real Value figure deflates the maturity amount by your inflation assumption. To combine this lump sum with ongoing SIPs or a retirement drawdown, load it into the Timeline Simulator.
Lump sum investing in a nutshell
With a one-time investment, time in the market does all the work: doubling roughly follows the Rule of 72, so at 12% p.a. your money doubles about every six years. The flip side is timing risk — investing everything just before a drawdown hurts. If that worries you, split the amount into a short SIP instead and compare both approaches.
Learn the underlying math in how to calculate compound interest, see why compounding beats simple interest, or model monthly investing with the SIP Calculator.