What Is MF Lumpsum Calculator?


Total Investment (₹)

Expected Return Rate (%)

Time Period (Years)

  Total Investment: ₹ 25,000
  Est. Returns: ₹ 52,646

Total Investment


Est. Returns


Total Value


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Have you been wondering how much your investment in mutual funds will grow into? You could get help from mutual funds lumpsum calculator. How exactly does this lumpsum calculator mutual funds help you? The MF lumpsum calculator is a quick view of how much your lumpsum investment in a mutual fund would have earned under certain assumptions. There are lumpsum calculator which you can access on the internet and get the output by just feeding in some basic details, which we shall see in detail later.


The lumpsum investment is a one-time investment. It is the opposite of a SIP in mutual funds. In lumpsum investment, the investor invests in a particular scheme of a mutual fund in a single tranche. Lumpsum investing is quite popular among high net worth investors.

Lumpsum calculator helps estimate returns on lumpsum investment

A lumpsum calculator helps to estimate the likely returns you will earn or the corpus to which your initial investment will grow based on assumptions of tenure and returns. In a typical lumpsum calculator online, you fill necessary details and the calculator will approximate the maturity investment value and present it to you.

A prospective investor evaluating investments can use this lumpsum calculator to evaluate whether a selected investment option is meeting their financial goal or not at the end of a specific time period. This is very important when you need to pay for time-sensitive needs like your child’s higher education.


The lumpsum calculator permits investors to plan and manage their finances better more efficiently and also more effectively. The advantage with using a lumpsum calculator is that it saves the time spent in doing manual calculations and reduces the chances of errors.

Additionally, the lumpsum calculator is very simple so anyone with some basic computer skills can use it effectively. However, there is a risk factor about lumpsum calculators you must be familiar with. At the end of the day, mutual fund investments are subject to market risks and no prediction can be done with absolute accuracy and remains an approximation.

Key inputs required in a lumpsum calculator

A typical mutual fund lumpsum calculator will give output online based on some key inputs given. Here are the key inputs that you need to provide to help the lumpsum calculator to do its job in a jiffy.

  • You must clearly define the amount of initial investment in rupee terms. This will be the starting point for your lumpsum calculator

  • The period for which you are willing and in a position to stay invested in that particular mutual fund. You can mention that in number of years.

  • The expected rate of return in terms of compounded annual returns that the investor expects. You can use last 5 year returns as reference point.

  • In the case of non-mutual fund assets like bonds, you can also input the frequency of compounding. It makes a difference as we shall see.

How the lumpsum calculator actually calculates the final corpus?

Lumpsum calculators use the basic compounding formula as under:

Final Corpus = {(Upfront Investment) X (1 + rate per compounding)} ^ total compounding

Now, you may wonder as to why the number of compounding or frequency of compounding is so important. You will be surprised but it does make a difference to the eventual corpus into which your upfront investment grows. That is what is displayed by the lumpsum calculator. Check out the tabulation of results for different compounding frequencies.

We assume an investment upfront of Rs.10,00,000 for a period of 5 years. The rate of return is at 12% annually. Let us see the corpus under different compounding scenarios.

Frequency of Compounding Value of Corpus – 5 years Incremental Advantage
Annual Compounding Rs.17,62,342 -
Half-yearly compounding Rs.17,90,848 Rs.28,506
Quarterly compounding Rs.18,06,111 Rs.43,769
Monthly compounding Rs.18,16,697 Rs.54,355

As you can see in the above table, the lumpsum calculator clearly brings out that even as you keep your investment, return and tenure same but change the frequency of compounding, there is a substantial difference to your eventual wealth created. That is eloquently brought out by the lumpsum calculator.


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