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Growth of a one-time lumpsum investment.
A lumpsum calculator projects how much a single, one-time investment will grow to over a given period at an assumed annual rate of return. It is the compound-growth counterpart to a SIP, where the whole amount is invested up front.
It is useful for evaluating a one-off deposit into a mutual fund, an index fund or any instrument that compounds annually.
Neither is universally better. Lumpsum benefits from full early compounding, while SIP reduces timing risk. Many investors combine both.
The result is a nominal value. To gauge real purchasing power, subtract expected inflation from your return assumption before calculating.
A negative return would shrink the corpus. The calculator expects a non-negative rate, but you can compare scenarios by lowering the rate.