How to Use the Lumpsum Calculator
- Select the Calculation Mode: Choose whether you want to calculate the maturity amount, required lumpsum investment, investment duration, or expected annual return.
- Enter Investment Amount: Input the one-time lumpsum you plan to invest.
- Specify Duration: Enter the investment period in years and months.
- Expected Annual Return (CAGR): Provide the anticipated rate of return for your investments.
- Target Amount: If calculating required investment, duration, or return, enter your desired target corpus.
- Calculate: Click the calculate button to see results, growth chart, and yearly investment table.
The calculator will automatically determine the missing value based on your input and show a projection of how your investment grows each year, including invested amount, interest earned, and total value. The growth chart highlights the year when the target is reached.
Example Scenario
Suppose you want to invest ₹5,00,000 as a one-time lumpsum for 15 years with an expected return of 12% per annum. Using the Lumpsum Calculator, you will see:
- Estimated maturity amount after 15 years
- Year-wise breakdown of invested amount, interest earned, and total corpus
- Visualization of investment growth over time with the target milestone marked
By adjusting the inputs, you can answer questions such as:
- How much should I invest today to reach a target amount in a given period?
- How long will it take for my one-time investment to grow to a desired corpus?
- What annual return do I need to achieve my financial goal?
Why Use a Lumpsum Calculator?
The Lumpsum Calculator is a powerful tool for investors who prefer one-time investments instead of monthly SIPs. It helps you:
- Plan for retirement corpus, child’s education, or wealth creation
- Compare SIP vs Lumpsum returns to decide which is better for your goals
- Estimate how compounding works on a single large investment
- Align investments with long-term financial planning
The calculator is simple to use and provides quick, accurate projections. Whether you are a beginner or an experienced investor, this tool helps you make informed financial decisions and optimize your investment strategy.