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Lumpsum Calculator

If you are considering making a one-time investment, a lumpsum calculator can assist you in accurately estimating the prospective returns it can generate.

Returns Estimator

Estimation is based on the past performance


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Expected Rate of Return
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The total value of your investment after   years will be


Invested Amount


Est. Returns


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What Is Lumpsum Investment?

A lump sum investment is one of the best ways to maximise your potential returns and secure your financial future. It is a one-time investment that gives you an opportunity to put your money to work all at once - allowing it to grow and compound over time.

If you are considering a lumpsum investment, it is wise to calculate its likely future value. This enables you to make the necessary adjustments to your investment strategies, aligning it more effectively with your financial goals. You can use an online lumpsum calculator to estimate the returns on your investment.

What Is a Lumpsum Returns Calculator?

A lump sum calculator is a valuable financial tool to assess the prospective returns that a significant amount of investment can give at the end of the tenure or on maturity. It determines the potential worth of your investment based on the initial value, rate of return and period of investment.

How Can a Lumpsum Calculator Help You?

A lumpsum calculator is a user-friendly online tool designed to estimate the returns on lumpsum investments. You just have to provide the initial investment value, expected rate of returns, and investment period. With this information, the online calculator computes the returns an investment can generate on maturity.

Ultimately, a lump sum calculator helps you plan your investments in line with your financial goals - saving for a loan down payment, repaying a loan, accumulating funds for travel and more. According to the calculator’s outcome, you would know whether a particular initial investment amount will be enough to generate enough returns to meet your goals. If not, you can consider adjusting your investment or exploring alternative investment options that can offer favourable returns.

Formula To Calculate Lumpsum Investment Returns

The lumpsum investment returns are calculated using a formula as follows,

Lumpsum Investment Returns = p (1 + r/n)^nt


p = Your lumpsum investment amount

r = Rate of return rate you are expecting to get

n = Number of times the returns are compounded in a year

t = Investment duration (in years)

Let us understand the lumpsum calculator formula better with an example. Assume you have invested ₹50,000 for 5 years, and the expected annual return is 10% compounding annually. So,

p = ₹50,000

r = 10%

n = 1

t = 5

The potential returns of your investment can be calculated using the above formula: Lumpsum Returns = 50,000 x (1 + 10%) ^ 5

= ₹80,526

This means that your investment would earn total returns of ₹30,526 in 5 years. At the end of 5 years, your investment will grow to ₹80,526.

How Does Angel One’s Lumpsum Calculator Work?

To save your time and effort from cumbersome manual calculations, you can use Angel One’s lumpsum calculator, which helps you estimate the potential returns of your lumpsum investments in less than a minute. The Angel One’s lumpsum calculator takes three main factors into account:

  1. Your initial investment
  2. The expected rate of return
  3. The duration of the investment

The online calculator takes these factors into account and uses the lumpsum calculator formula to estimate your potential returns.

How To Use an Angel One Lumpsum Calculator?

The usage of the Angel One Lumpsum Calculator is simple and straightforward. All you need to do is gather the basic details of your lump sum investment. Once you have the details, follow the steps below to use the calculator:

  • Enter your initial lump sum amount in the calculator
  • Now enter your investment duration, i.e., for how long you are planning to stay invested
  • The final step is to enter the expected rate of return on your investment

That’s it. The Angel One lumpsum calculator takes the values entered and determines the total value of your investment in the given period. It gives you a clear breakdown of the investment made and the returns generated as well.

All this information is provided in seconds. Hence, using the Angel One lumpsum calculator, you can estimate the potential returns of your investments for different combinations of investment amounts, rates of return and duration and pick the most suitable one.

Assume you have received a bonus of ₹2,50,000 from your employer, and you want to invest the lumpsum for 5 years to fund your child’s education. You have decided to park it in a lumpsum investment with a rate of return of 13%. Now, you can use the lumpsum calculator to estimate the returns you may get after 5 years:

  • On the Angel One lumpsum calculator, enter the investment amount, i.e., ₹2,50,000
  • Select the duration of the investment as 5 years
  • Enter the rate of return as 13%

According to the results of the calculator, The total value of your investment after 5 Years will be ₹4,60,609, where the estimated returns will be ₹2,10,609 for an investment of ₹2,50,000. Now you can check if the return amount of ₹4,60,609 will be sufficient to fund your child’s education or if you need to invest more or find an alternative investment with a higher rate of return.

Benefits of Using Angel One Lumpsum Calculator

The lumpsum calculator by Angel One is an essential financial tool. The key benefits of using this calculator are as follows:

  • Accurate investment planning: Angel One’s lumpsum calculator can help you estimate the amount you need to invest to reach your financial goals within a specified time frame.
  • Saves time: Calculating the ideal lump sum investment manually can be time-consuming, especially when considering compounding. Using a lumpsum calculator automates this process and provides quick results.
  • Comparative analysis: You can use Angel One’s lumpsum calculator to compare the potential growth of different investment amounts, enabling you to make a more informed choice. Also, test different scenarios, such as changing the investment amount, adjusting the investment duration, or considering different rates of return.
  • Saves you from over/under-investing: The calculator can prevent you from either over-investing or under-investing, as it provides an assessment of how much is needed approximately to achieve your goals.

Lumpsum vs SIP - Which Is Better?

Before determining whether a lumpsum investment is better or a Systematic Investment Plan (SIP), let’s understand the difference between a lumpsum investment and an SIP. These are two distinct approaches to investing money.

Lumpsum investment involves putting a significant sum of money all at once into a particular investment, typically used for long-term goals. It offers the advantage of immediate investment and the potential for higher returns if the market performs well. However, it carries the risk of market timing, as the entire amount is exposed to potential losses if the market experiences a downturn.

On the other hand, SIP is a disciplined investment strategy where a fixed amount is contributed at regular intervals, usually monthly, spreading the investment over time. SIP benefits from rupee-cost averaging and compounding, reducing the impact of short-term market fluctuations. It encourages disciplined investing and is suitable for both short and long-term goals.

Here’s a table for lumpsum vs SIP to understand the differences clearly.


Lumpsum Investment


Investment Approach

Invest an amount all at once

Regular fixed investments at intervals

Investment Frequency

One-time investment

Regular, typically monthly, quarterly or half-yearly

Market Timing

Exposed to market timing risk

Reduces the impact of market timing

Potential Returns

Can benefit from market upswings

Benefits from rupee-cost averaging

Risk Management

Prone to market volatility

Reduces the impact of short-term fluctuations


No fixed commitment is required

Encourages disciplined investing

Goal Horizon

Long-term investments

Short-term and long-term goals

Capital Deployment

Immediate deployment

Gradual deployment over time

The choice between lumpsum and SIP depends on factors such as your financial goals, risk tolerance, available funds, and market conditions. If you have a lumpsum amount and are looking to invest it to achieve your long-term goals, you can learn about lumpsum investments in detail and make a decision. If you are planning to invest at regular time intervals, SIP can be a good choice. Overall, seeking advice from a financial advisor and diversifying investments can help you optimise investment strategies and achieve financial objectives more effectively.

Lumpsum Calculator FAQs

Is the Angel One lumpsum calculator easy to use?

Yes. Using the Angel One lumpsum calculator is simple. All you have to do is enter your lumpsum investment amount and set the duration and expected rate of return. On the right-hand side, you will be able to see the total value of your investment after the set duration, along with the breakdown of the invested amount and estimated returns.

Is an online lumpsum calculator accurate?

An online lumpsum calculator can provide accurate estimates of the future value of your investment. However, it does not factor in changes caused due to market volatility.

What are the popular lumpsum investments available in India?

There are several investment avenues in India that accept lumpsum investments like real estate, Exchange Traded Funds (ETF), retirement accounts, etc.

When should we prefer lumpsum investment?

A lumpsum investment is preferred when you have a sum of amount and are looking for an investment that can offer potential returns in the long-term. But make sure you are well aware of the investment avenue that accepts lumpsum amounts. Also, similar to any investment method, it is important to consider your investment objective, risk appetite and investment horizon before making a decision.

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