LumpSum Calculator

Take control of your investment journey with our Lump Sum Calculator, offering clarity on potential returns for one-time contributions.

Total Investment



Expected Return (P.A)










Estimated Returns




5 Years Value




Mutual fund investments can be done in two ways—via a Systematic Investment Plan (SIP) and as a lumpsum investment. The SIP investment route has its advantages, but lumpsum investing is pretty popular, too. Because it saves you the hassle of setting aside money each month and may give better returns. So if you choose this route, we understand and are here to help you do the math with our lumpsum investment calculator.

What is the lumpsum calculator?

A lumpsum calculator is one that helps you calculate the expected return from your lumpsum  mutual fund investment. Lemonn calculator is to facilitate ease of use, so all you have to do is key in the variables and you will get your answers instantly.

How does this lumpsum calculator work?

The Lemonn lumpsum calculator is simple, yet accurate. All you need to do is enter your desired investment amount, the investment period, and the expected rate of return of the investment period. The calculator will do the magic and show you how much money you can expect to receive at the end of the investment period.

What is the formula to calculate MF returns?

The lumpsum calculator works on the financial principle of Future Value or FV. That means it tells you the future value of your investment at a certain rate of interest. Since this is a technical concept that a non-finance person might not know, we developed a calculator to help. However, in case you are curious or want to flex your math muscles, you can use this formula to calculate your returns manually:


A = P (1 + r) ^ n


In this equation:

A = Value at the end of investment period

P = Lumpsum investment amount 

R = Rate of interest 

N = Investment period in years


Let’s understand how this formula works with an example. If you plan to invest ₹15,00,000 in a mutual fund scheme for 10 years at an interest rate of 12% per annum, your returns will look like this:

A = 15,00,000(1+12)^10

That is, the redemption value would be ₹46,58,772. 

How to use the lumpsum calculator

Using the lumpsum calculator is very simple and straightforward. You will have to enter the following values:

  • The lumpsum investment amount
  • The rate of return
  • The desired investment duration

With all this filled out correctly, you should be able to see the future value of your lumpsum investment in seconds.

Types of returns 

Mutual fund investors can use the calculator above to estimate the returns on their investment. But first, one must know the types of returns one can expect for lumpsum investments.

  • Absolute return

Absolute return is the percentage that an investment achieves over a period. It measures the appreciation or depreciation in percentage terms over a given period of time.


  • Total return

This is the actual rate of return on investment over a fixed evaluation period. Total return will include interest earned, capital appreciation, dividends, and distributions realized in the period.

  • Annualized return

Annualized return is the geometric average of the money an investment makes each year over the given investment period. It shows what an investor would earn over a period of time if the annual returns were compounded.

  • Point-to-point return

Returns calculated between two specific periods of time is known as a point-to-point return. It can be for 1 or 5 or 8 years, but it is always specified between two specific dates.

  • Trailing return

Trailing returns will help you measure the average rate of return between two specific dates. 

What are the benefits of a lumpsum calculator?

Estimation of returns on lumpsum investment is tough as it involves complex calculations. A lumpsum calculator will make this easy. Some of are these benefits of using a lumpsum calculator are as follows.

  • Accurate calculations

A lumpsum calculator will help you estimate your returns accurately by minimizing human error.

  • Helps you to do financial planning

Mutual fund schemes for lumpsum investment come with different rates of return and underlying assets. A lumpsum calculator thus helps because it can compare various schemes and facilitate better financial planning. 

  • Online accessibility

Lumpsum calculators like the one above can be easily accessed from any corner of the world with internet connectivity. This is perhaps its best feature as it will always be available. 

  • Time-saving

Calculating estimated returns for your lumpsum investment can be very time consuming. The calculator above will save you time while still giving you accurate results. 


A lumpsum returns calculator is a boon; it gives you estimated return in seconds with utmost accuracy. You can make an investment decision based on the answer. Key in the values to plan a better financial future.


1.What is the difference between lumpsum and SIP?

A lumpsum investment is a one-time fixed investment in a mutual fund scheme. SIP or systematic investment plan, on the other hand is a recurring investment.

2.Which is more advantageous—lumpsum or SIP?

Lumpsum and SIP investments have their own advantages and disadvantages. The investment style you choose will depend on the inflow of money. If you are a salaried individual, SIP will be beneficial for you. This is because you have fixed regular income and possibly a fixed monthly investment plan. However, if you receive ₹3,00,000 as performance bonus from your organization, investing the amount as a lumpsum in a mutual fund scheme will benefit you.

3.Where can I make mutual fund investments?

You can make mutual fund investments through online investment platforms as well as through offline sources.

4.Are mutual fund calculators accurate?

Mutual funds calculators will give you an estimated return at the end of a time period. They will thus not be as accurate as a fixed depost calculator.

5.Where can I park my funds for lumpsum investment?

You can put your funds in a mutual fund scheme of your choice. Alternatively, you can also open a bank FD and park your lumpsum funds there.

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