Lumpsum Calculator

Calculate your Lumpsum returns.

Total Investment


Expected Return Rate

1 %

Time Period

1 yr
30 yrs

What is Lump Sum Calculator?

Lump sum calculator helps the investor to estimate the returns that will be made by a lump sum mutual fund investment. A lump sum calculator helps to calculate the maturity amount for a given lump sum investment made today. It shows the probable wealth gain during the tenure of investment for the amount invested at the beginning of the period.

Just enter the amount you are willing to invest, expected rate of return per annum you think the investment will generate and the time period (in years) you are willing to stay invested.

For example, let’s say that you plan to invest ₹1 lakh for a period of 30 years and expect a return of 12% per annum. The online calculator will calculate the return generated i.e ₹28,95,992 and the maturity amount i.e. ₹29,95,992.

Please note that the expected returns is just an estimation based on the figures entered and does not assure the values calculated. Actual returns might vary depending on the performance of the mutual fund.

Frequently Asked Questions

How much can I invest in an SIP?

Although there is no upper limit to the amount you can invest in a SIP, the minimum amount that you can invest is INR 500 per month.

What is the maximum tenure of an SIP?

There is no maximum tenure. You can invest as long as you want to with SIPs. However, the minimum tenure is 3 years.

What is the difference between SIPs and Mutual Funds?

SIP is just a method of investing in Mutual Funds, and is not an investment scheme by itself. It refers to systematically investing a fixed amount of money in a selected Mutual Fund regularly over a period of time.

Can I change my SIP amount?

Yes, you can check your returns with SIP Calculator any time, and increase or decrease the SIP amount any time you like.

Does SIP allow only Equity Mutual Fund investments?

No, you can also invest in Debt and Hybrid Mutual Funds via SIPs.

What are the types of SIPs available?

Different types of SIPs are available in the market like –

  • Step-up or top-up SIP: This allows you to increase the investment amount automatically at specified intervals at a particular amount or percentage.
  • Perpetual SIP: It allows you to keep investing for as long as you wish to without any end date.
  • Trigger SIP: It lets you start investing during a specific index level, NAV, date, or event.
  • Flexible SIP: It lets you change your investment amount as per your preference

Can I renew an SIP?

Yes, you can easily renew an SIP automatically. Companies also give you the option to cancel the auto-renew feature.

Can I pause my investments in a SIP?

Yes, Mutual Fund companies also provide you with the option of pausing your SIP investments for a specified period of time.

This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Upstox does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Upstox makes no warranty about the accuracy of the calculators/reckoners. The examples do not claim to represent the performance of any security or investments. In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.