Lump Sum Growth

The Lump Sum Growth Calculator shows how a single investment grows over time through the power of compounding. Enter an initial amount, expected annual return, and time horizon to see the growth trajectory. Unlike SIP investing where you invest regularly, lump sum investing puts all capital to work immediately. Historically, lump sum investing outperforms dollar-cost averaging about two-thirds of the time because markets tend to rise over the long term. This tool is ideal for planning what to do with a windfall, bonus, inheritance, or any large sum. The growth curve visualization helps you understand how time in the market dramatically amplifies returns and why starting early matters more than timing the market.