Mutual Fund Lumpsum Investment Plan Calculator Online

Investments in Mutual Funds can be broadly classified into two types- Lumpsum and SIP. A lumpsum investment is when the depositor invests a significant sum of money on a particular mutual fund scheme. SIP or Systematic Investment Plan, on the other hand, entails the investment of smaller amounts on a monthly basis.

Both these type of mutual fund investment strategies have their fair share of benefits. Lumpsum investments are particularly preferred by a majority of investors, as there are lesser variables involved and returns are generally on the higher side. To find out the estimated returns on your lumpsum mutual fund investment, you may use a mutual fund lumpsum calculator available online.

Lumpsum Calculator




Your Wealth:Rs. 40456

How can a Lump-sum Calculator help you?

Mutual fund investors can use this calculator to figure out the estimated returns on their investments. Before getting into the benefits of using this calculator, one must know the types of return for a lumpsum investment.

  • Absolute return
  • Total return
  • Annualised return
  • Point to point return
  • Trailing return
  • Rolling return

It’s paramount that an investor understands all these types of returns in details to avail the maximum benefits from their mutual fund investments. 

Now that you are familiar with the type of returns, it’s time to delve into the benefits of using a lumpsum return calculator:

  • This calculator provides you with the estimated returns for the whole investment period. You may calculate your investments’ 1-year, 3-year and 5-year returns using this calculator.
  • It’s incredibly convenient and easy to use. Even a layperson can use this calculator with relative ease.
  • It offers a reasonably accurate estimate. Note that mutual fund investments are subject to market risks, and cannot be predicted with pinpoint accuracy. 
  • An MF lumpsum calculator enables an investor to plan his/her finances better based on the estimated return they are most likely to receive at the end of their investment period.

The formula to calculate MF returns

All lumpsum calculator mutual fund uses a specific method to compute the estimated return on investment. It is essentially a compound interest formula with one of the variables being the number of times the interest is compounded in a year.

The formula is as follows: A = P (1 + r/n) ^ nt

The variables are mentioned in the table below.

AEstimated return
PPresent value
rRate of return
tDuration of investment
nNumber of compounded interests in a year

You can use this formula to compute your mutual funds returns accurately. For example, imagine investing Rs. 15 Lakh in a fund with a 12% return for 5-year period compounding every 6 months.

The estimated return in this scenario will be-

A = Rs. 15, 00,000 (1 + 12/2) ^ 2/5

As you can surmise, it’s a complex equation which may be out of grasp for a majority of investors. A lumpsum MF calculator will calculate it instantly. In this case, your estimated return at the end of a 5-year period shall be Rs. 26, 43, 513.

How to use TAXAJ lumpsum calculator?

The lumpsum calculator available on the TAXAJ website is easily navigable. Follow the steps mentioned below to calculate your ROI on mutual funds:

  • Provide required variables at their designated slots. You may also use the slider to adjust values.
  • The calculator will provide you with an estimated value in seconds.

Advantages of using TAXAJ lumpsum calculator

A mutual fund lumpsum calculator is an incredibly convenient financial tool which comes with a host of benefits.

  • Returns on mutual fund investments cannot be calculated accurately as they are subjected to market risks.
  • A calculator provides you with the closest possible estimate.
  • It enables you to plan your finances based on the estimated returns.
  • It is an online tool, implying that you can use it at any time from any place. It eliminates time and space constraints.
  • It saves your time and effort, as these calculations can take several minutes. Doing calculations manually for more than one variation can take hours.

Lumpsum investments are one of the most widely availed investment vehicles, most of which have a time-proven history of yielding high returns. You may begin your investment with a smaller amount and increase it as you become more comfortable with the procedure.

Frequently Asked Questions (FAQ) 

What is the difference between lumpsum and SIP?

A lumpsum investment refers to a one-time investment in a particular scheme for a specific duration. SIP is a more systematic approach wherein a smaller amount is invested in a plan every month.

Which is more advantageous- lumpsum or SIP?

Both these investment instruments have their share of pros and cons. A lumpsum investment frees an investor from the hassles of keeping track of the amount to be invested every month along with the changing NAV, but it may prove to be a significant financial burden initially. SIP does not stress the finances of an investor but requires more involvement on his/her part. 

Where can I make mutual fund investments?

The mutual fund investment process has shifted online these days. There are several renowned platforms like TAXAJ through which you can invest in all significant funds with just a few clicks.

Are mutual fund calculators accurate?

As accurate as it can be; you must understand that a certain amount of risk is inherent in MF investments because of volatile market forces.