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Lump Sum Investment Calculator

How much can a one-time investment grow? Compare it with a monthly SIP.

Illustration only, using annual compounding. Mutual fund and unit linked investments are subject to market risks; past performance does not guarantee future returns. LIC policy benefits are as per policy terms.

Got a lump sum? Use it wisely

A maturity amount, a bonus or money from a property sale can be put to work in one go. Before investing it, keep emergency money aside and make sure your family has enough life cover.

For growth, a mutual fund or ULIP may suit long periods. For safety or lifelong income, look at LIC single premium options such as the Single Premium Endowment Plan, Jeevan Akshay VII (immediate pension) or New Jeevan Shanti.

Investing monthly instead? Use the SIP calculator.

How the lump sum formula works

Future value = Investment × (1 + r)n, where r is the yearly return and n the number of years. For example, ₹1,00,000 at 10% for 10 years grows to about ₹2,59,374.

FAQs

It shows how a one-time investment can grow over a period at an expected yearly return, compounded annually. Lump sum = future value of a single investment, unlike a SIP which is monthly.

A lump sum works when you already have the money (bonus, maturity amount, sale proceeds). A SIP suits regular monthly income. For market-linked funds, a SIP spreads the timing risk.

No, not in mutual funds or ULIPs – returns are market linked. For a guaranteed one-time investment, look at LIC’s single premium plans; their benefits are as per the policy terms.

LIC offers single premium options in several plans, for example the Single Premium Endowment Plan and pension plans like Jeevan Akshay VII and New Jeevan Shanti. We help you compare them with your goal.

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Where to invest your lump sum?

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