Lumpsum Calculator

A lumpsum compounds as a single block from day one: Future value = Principal × (1 + rate)ⁿ. There's no averaging-in effect the way there is with a SIP, where each instalment starts compounding from a different date — for better or worse, a lumpsum is fully exposed to whatever the market does immediately after you invest it.

That's the core trade-off covered in SIP vs. lumpsum: a lumpsum has no timing cushion, but it also means every rupee starts compounding immediately, rather than a portion of it arriving months or years later the way later SIP instalments do.