Lumpsum Calculator

A lumpsum calculator is a tool designed to help investors estimate the potential returns on their mutual fund investment when they invest a single, significant sum of money at once (also known as lump sum). Investments in funds are majorly divided into two types- via Systematic Investment Plan (SIP) or via Lumpsum. Under SIPs, the payment is made at regular intervals for a predetermined time, whereas, in Lumpsum payment, the investor invests a significant amount of money in a particular fund scheme in one go.

Read more
Best Investment Plans
  • Guaranteed Tax Savings

    Under sec 80C & 10(10D)
  • ₹1 Crore

    Invest ₹10k per month*
  • Zero LTCG Tax

    Unlike 10% in Mutual Funds

Top performing plans with High Returns*

Invest ₹10K/month & Get ₹1 Crore returns*

We don’t spam
View Plans
Please wait. We Are Processing..
Your personal information is secure with us
By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company
Get Updates on WhatsApp

Lumpsum Calculator

Total Investment

₹500 ₹10L
Enter Total Investment

Expected Rate of Return (Yearly)

1% 20%
Expected Rate of Return (Yearly)

Time Period

1 Year 30 Years
Enter Time Period
Total Investment
Interest Earned
Maturity Amount

What is a Lumpsum Calculator?

A Lumpsum Calculator is a hassle-free online tool that gives you an estimate of your future investment returns. One time investment calculator can be a helpful tool for making investment decisions. They can help you see how much your investment could grow over time, and they can help you compare different investment options.

How Does the Lumpsum Calculator Work?

Our Lumpsum Return Calculator helps you figure out how much your investment could be worth in the future. Keep in mind, the actual amount can change depending on how the market is doing. 

Let’s understand the working of the Lumpsum Calculator with an example:

Neha has invested a total of Rs. 50,000, with an expected annual return rate of 15% over a span of 5 years.

Calculating such a complex calculation using the formula is quite difficult and time consuming, with a one time investment calculator, you can easily calculate the estimated returns easily.
Interest Earned on you Investment: ₹50.6K 

Total Maturity Amount: ₹1.01L

What are the Benefits of Using a Lumpsum Calculator?

Below mentioned are some of the benefits that one may avail of by using one time investment calculator: 

  • Risk Assessment: By inputting your investment amount and expected rate of return, the calculator helps in assessing the risk associated with your chosen Mutual Fund

  • Time-Saving: Calculating potential returns manually can be time-consuming and prone to errors. A one time investment calculator automates this process, giving you quick and reliable results.

  • Goal Customization: Whether you're saving for a specific milestone like retirement or a major purchase, the calculator can tailor projections to match your unique financial goals.

  • Adjustable Variables: You can experiment with different investment amounts and expected rates of return to find an optimal strategy that aligns with your risk profile.

Types of returns for investment returns:

  • Rolling return

  • Total return

  • Trailing return

  • Absolute return

  • Annualised return

  • Point to point return

Formula To Calculate Mutual Fund Lumpsum Investments 

The formula to calculate the returns on a mutual fund lump sum investment is

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

The variables are mentioned in the table below:

A Estimated return
P Present value
r Rate of return
t Duration of investment
n Number of compounded interests in a year

How to Use Policybazaar’s Lumpsum Calculator?

Follow the below mentioned steps:

  • Go to Policybazaar's official site.

  • Find the Lumpsum Calculator tool.

  • Input the investment amount, annual return rate, and investment duration in years.

  • Analyze the projected returns.

  • Click on “View Plans” and check for any additional advice or information provided based on the results.

  • Consult with a financial advisor for important investment decisions.

Advantages of Using Policybazaar’s Lumpsum Calculator

Here are the advantages of using the one time investment calculator: 

  • Quick and Convenient: Policybazaar's Lumpsum Calculator provides a swift and hassle-free way to estimate potential returns on your lump sum investments.

  • Customized Results: It offers personalized projections based on your specific investment amount, tenure, and expected rate of return, helping you make informed decisions.

  • Comparison Tool: Allows you to compare different investment options, enabling you to choose the one that aligns best with your financial goals and risk tolerance.

  • Transparency and Clarity: Provides clear insights into the potential outcomes of your investment, allowing for a better understanding of the expected returns.

  • Empowers Informed Decision-making: Equips you with the information needed to make well-informed decisions about your lump sum investments, promoting financial confidence and security.

What is the Difference Between SIP and Lumpsum?

  1. SIP (Systematic Investment Plan):

    SIP is a disciplined investment approach where an individual invests a fixed amount of money at regular intervals (usually monthly) in a chosen financial instrument or mutual fund.

  2. Lumpsum:

    A lump sum investment refers to a single, large amount of money that is invested in a financial instrument, such as mutual funds, stocks, or bonds, all at once.

When Should You Prefer Lumpsum Investment?

Lumpsum investments are particularly suitable when you have a substantial amount of capital available upfront. This approach is often favored when you believe that the market conditions are favorable, such as during a period of expected growth or a bull market. Additionally, for long-term financial goals like retirement planning or purchasing a home, a lump sum investment can potentially lead to higher returns over time compared to periodic investments.

Note: You can use the SIP calculator to calculate your returns on investment. 

Wrapping it up:

Investing via SIP or Lumpsum solely depends on the investor. However, if you are confident to invest your money via the Lump Sum method, it is beneficial for you to use the one time investment calculator first. Calculate how much amount you need to invest in order to achieve your financial goals.


  • Are Lumpsum calculators reliable?

    Yes, the calculators are reliable as the results are solely based on the value you enter, and are not influenced by market conditions.
  • Which is easy to use- the Lumpsum calculator or the SIP calculator?

    Both calculators are available online, which makes both of them easy to use. All you have to do is enter the value as per your needs, and it will show you the estimated returns on investments.
  • Which is the best Investment scheme for Lumpsum payment?

    Below-mentioned are the 5 best investments for lumpsum payment:
    • Pro Investing by Aditya Birla Sun Life Mutual Fund
    • ICICI Prudential Small Cap Fund-Growth
    • ICICI Prudential Value Discovery Direct-Growth
    • ICICI Prudential Equity & Debt Fund Direct-Growth
    • ICICI Prudential Midcap Fund-Growth
  • How to calculate the lumpsum amount manually?

    To manually calculate the lumpsum amount for your investments, you need to use the below mentioned formula:
    E = F (1 + x/z) ^ za
    E stands for estimated returns, F stands for the present value, x stands for interest rate, z stands for the number of times interest is compounded in a year, and a stands for the duration of your investments
  • Are lumpsum calculators mandatory to use?

    No, they are not mandatory to use. However, to calculate the amount by yourself increases the chances of mistakes. Thus this easy to use and free of cost online Lumpsum calculator is a useful tool to avoid any mistakes in calculating.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:-
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

Download the Policybazaar app
to manage all your insurance needs.