Lump Sum Calculator
One-time investment in mutual funds, index funds, or any instrument — with inflation adjustment.
When to choose lump sum over SIP
Lump sum investing is ideal when markets have corrected significantly, when you receive a bonus or inheritance, or when you have a long time horizon and can stomach short-term volatility. Historically, lump sum investments made during market dips (P/E below 18 on Nifty) outperform SIP over 5+ years.
Real vs nominal returns
Nominal returns are what your statement shows. Real returns subtract inflation — at 12% returns and 6% inflation, your real purchasing power grows at roughly 5.7% per year. Toggle inflation adjustment in this calculator to see what your corpus actually buys in today's money. For retirement planning, always use real returns.
Lump sum in equity vs fixed income
₹5 lakh lump sum at 12% CAGR (equity): ₹48.2 lakh in 20 years. Same at 7% (FD): ₹19.3 lakh. The gap of ₹28.9 lakh is the long-term cost of avoiding equity risk. For money not needed for 7+ years, equity delivers significantly superior lump sum returns historically.