Project the future value of a one-time lumpsum investment at an assumed constant annual return. Real markets don't grow in a straight line - this is a planning estimate, not a projection ReviewHub is making.
How this calculator works
A lumpsum investment puts your entire amount to work immediately, rather than phasing it in through instalments. That means the whole sum compounds for the full duration - which can work strongly in your favour if the market rises soon after you invest, or against you if it falls.
The projection uses standard annual compound growth: FV = P × (1+r)^n, where P is your investment amount, r is the assumed annual rate of return, and n is the number of years. This treats the rate as constant every year, which real markets never actually do - it's a simplification for planning, not a forecast.
If you're deciding between investing a lumpsum now versus spreading it out, compare this result against our SIP calculator using the same total amount, rate and duration.
Frequently asked questions
What is a lumpsum investment?
Putting in a single, one-time amount - for example into a mutual fund - rather than spreading it across regular instalments like a SIP. The entire amount starts compounding from day one.
Lumpsum or SIP - which is better?
Neither is universally better. A lumpsum invested right before a market rise outperforms a SIP, but one invested right before a fall underperforms it - a SIP spreads out that timing risk. The right call depends on whether you already have the full amount and your comfort with short-term volatility.
Does this assume a constant rate of return every year?
Yes. Real investments rarely grow at a perfectly constant rate - some years are up, some are down. This shows what a constant average rate would produce, as a planning reference, not a forecast of actual year-to-year performance.
This calculator performs fixed, transparent arithmetic on the numbers you enter - the formula is shown alongside the result. It is not a projection, forecast, or guarantee of real investment performance; the assumed rate of return is an input you choose, not a prediction ReviewHub is making. This is not investment advice - always do your own research or consult a registered investment adviser before making financial decisions.