Lumpsum Calculator
See what a one-time investment can grow to, then see what the same amount could earn in gold with Spare8+.
What ₹1,00,000 becomes, year by year.
Read across a row to see one choice grow. Read down a column to compare all three at the same moment.
Swipe sideways to see more years →
Gold uses a ~11% p.a. long-term historical average and is not guaranteed, and gold prices can fall. The Spare8+ reward rate is a fixed 5% p.a., paid in grams, so its rupee value moves with the gold price.
Invest your lumpsum. Park a slice in gold.
Keep most of your money where you planned. Put a small part in Spare8+. It earns a fixed 5% a year in gold and spreads your risk.
That's ₹26,112 more, and part of your money is now in gold.
What is a lumpsum calculator?
A lumpsum investment is a single, one-time amount you invest in one go, such as a bonus, a matured FD or money from selling property, instead of spreading it over monthly SIP instalments.
A lumpsum calculator shows what that amount could grow to over time at an expected rate of return, so you can compare options and plan your goals before you invest.
How to use it
- Enter the amount you want to invest
- Set your expected yearly return
- Choose how many years you'll stay invested
How it helps
- Shows your total value and estimated returns
- Lets you compare rates and time periods
- Free, instant, and no sign-up
Example: ₹10,00,000 at 10% for 5 years = ₹16,10,510.
6 ways lumpsum returns are measured.
Fund factsheets quote returns in different ways. Knowing which one you're looking at helps you compare fairly.
Absolute return
Total growth as a simple percentage, regardless of time. ₹1L to ₹1.5L is 50%.
Total return
Price growth plus any dividends or payouts received along the way.
Annualised return
The average growth per year, compounded. This is what our calculator uses.
Point-to-point return
Growth between two specific dates you pick, say 1 Jan 2020 to 1 Jan 2025.
Trailing return
Return over a recent fixed period up to today, such as the last 1, 3 or 5 years.
Rolling return
Average of many overlapping periods. It shows how consistent a fund has been.
Lumpsum calculator questions
What is a lumpsum investment?
A single, one-time amount you invest in one go, instead of spreading it over monthly instalments like a SIP.
How is lumpsum return calculated?
With compound interest: A = P × (1 + r)t, where P is the amount, r the expected yearly return and t the number of years.
Is lumpsum better than SIP?
Neither is always better. A lumpsum gives all your money more time to grow if you already have it. A SIP spreads your buying over time and suits people investing from monthly income. Try the Gold SIP calculator to compare.
Are lumpsum returns guaranteed?
No. The calculator shows an estimate based on the return rate you enter. Actual returns from mutual funds, stocks or gold can be higher or lower, and can be negative.
What is Spare8+?
Spare8+ lets you lease your 24K digital gold and earn a fixed 5% p.a. reward paid in gold grams, on top of any change in the gold price. There is no lock-in.
Should I put my whole lumpsum in gold?
Usually not. Many people keep most of a lumpsum in their main investment and park a smaller slice in gold to spread their risk.
Put a slice of your lumpsum to work in gold.
Buy 24K gold from ₹10 and lease it with Spare8+ to earn a fixed 5% p.a. in grams, on top of gold's growth. No lock-in, stop anytime.
Methodology. Lumpsum values use yearly compounding, A = P × (1 + r)t, at the return rate you enter. Savings account uses ~3% p.a. Gold uses a ~11% p.a. long-term historical average; Spare8+ adds its fixed 5% p.a. lease reward. None of these returns are guaranteed except the Spare8+ reward rate, whose rupee value moves with the gold price. Consult a professional before deciding.