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Lump Sum Calculator

Calculate the future value of a one-time lump sum investment. See how much wealth you can build over time through the power of compound returns.

Investment Growth
Enter your initial investment and expected market returns.
$
%
years
Future Investment Value
$41,772
Total Invested
$10,000
Your initial deposit
Wealth Gained
+$31,772
Free money from compounding
Year-by-Year Breakdown
YearBalance
Year 1$11,000
Year 2$12,100
Year 3$13,310
Year 4$14,641
Year 5$16,105
Year 6$17,716
Year 7$19,487
Year 8$21,436
Year 9$23,579
Year 10$25,937
Year 11$28,531
Year 12$31,384
Year 13$34,523
Year 14$37,975
Year 15$41,772
Table of Contents
Understanding Lump Sum Investing

A Lump Sum Investment is a single, complete payment made at one time, rather than smaller payments made in installments (like a monthly SIP).

Lump Sum vs SIP

Which is better: investing $12,000 all at once (Lump Sum), or investing $1,000 a month for 12 months (SIP)?

  • Mathematically: Lump Sum usually wins. The market trends upwards over long periods of time, meaning getting all of your money into the market as early as possible gives it more time to compound. "Time in the market beats timing the market."
  • Psychologically: SIPs (Systematic Investment Plans) or Dollar Cost Averaging are often less stressful. If the market crashes the day after your Lump Sum investment, it feels terrible. SIPs smooth out that volatility.
Frequently Asked Questions

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