A lumpsum investment means investing a large amount of money in one go — for example, in an equity mutual fund or stock — rather than spreading it out over time through periodic investments like a SIP. This calculator projects how that one-time investment could grow at an assumed annual return rate.

The more frequently returns are compounded (yearly, half-yearly, quarterly or monthly), the slightly higher your final maturity value will be for the same nominal annual rate, because interest starts earning on itself sooner. The difference is usually modest for typical rates and tenures but grows with higher rates and longer periods.

Neither is universally better — it depends on your situation. Lumpsum investing can capture more of the compounding period if invested early and markets rise, but carries more timing risk if the market falls soon after. SIPs average out purchase price over time and suit investors without a large sum available upfront or who prefer disciplined, regular investing.

No, this calculator shows only the gross projected value based on your expected annual return. It does not factor in capital gains tax, exit load, or expense ratio, all of which will reduce your actual post-tax, post-cost returns.