Lumpsum Investment Calculator
See what a one-time investment grows to with compounding. Useful for a bonus, a maturing FD, or money sitting in savings that you want to invest for a goal.
How it works, in one picture
The lumpsum formula
Value = P × (1 + r)n, where P is the amount invested, r the yearly return and n the number of years. Doubling time is roughly 72 ÷ return: at 12% money doubles every 6 years, so ₹5 lakh becomes about ₹10 lakh in 6 years and ₹20 lakh in 12.
Lumpsum or SIP?
A lump sum puts all the money to work on day one, which wins when the market goes up steadily. A SIP spreads the risk of a bad entry point. A common middle path is a lumpsum into a liquid or arbitrage fund with an STP (systematic transfer) into equity over 6–12 months. Compare the two with the SIP calculator.
Is it a good time to invest a lump sum?
Headlines talk about Nifty. Your funds are not Nifty. A large-cap fund may be 15% below its high while your small-cap fund is only 3% below. Capital Friends shows each of your funds against its own all-time high, so you look at your own money, not the news, before adding a lump sum. That is information, not advice.
Before you add a lump sum, see your own funds
Which of your funds is below its own high, which no longer accepts fresh money, and what the family holds in total.
- Flexi cap fund 7% below high₹28.4 L
- Multi asset fund₹13.3 L
- Global index fund SIP only₹11.4 L
- Bank FD · safe₹12 L
Every fund, SIP, switch and sale from one CAMS statement. Money-in is real cash, not switched profit. Each fund is compared with its own high every day.
- Retirement is 4% off its path · 1 step due
- Flexi cap fund is 7% below its high · information, not advice
- SIP ₹40,000 due on the 5th · term policy renews in 12 days
- Net worth, every account, every fund, nominees, loans: where everything is
Sent every morning from your own Gmail to the family members you choose. If something happens to you, they know where everything is.
Track the real thing, not just the estimate
Capital Friends is a free, open-source portfolio tracker for Indian families. Import your CAMS statement, see XIRR and CAGR for every fund, plan goals and retirement, and let your family get one summary email. Your data stays in your own Google Drive.
Frequently asked questions
Which is better, lumpsum or SIP?
Historically a lump sum in a rising market beats a SIP, but a SIP protects you from a bad entry. If the amount is large relative to your portfolio, spreading it over 6–12 months is a reasonable compromise.
What return should I use?
Use 10–12% for equity funds, 7–8% for debt, 9–10% for hybrid, and a lower number if you want a conservative plan.
Does the calculator include exit load or tax?
No. Equity funds held over a year attract 12.5% long-term capital gains tax on gains above ₹1.25 lakh a year; exit loads usually apply only in the first year.
Can some funds refuse a lumpsum?
Yes. Several international funds and some funds with very large AUM stop fresh lumpsum investments from time to time. Capital Friends lets you mark such funds so rebalancing suggestions skip them.
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Your FIRE number and the age you can stop working.
Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.