Lumpsum Calculator

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What Is a Lumpsum Calculator?

A lumpsum calculator is a financial tool used to calculate the wealth you can create by investing in mutual funds via a lumpsum investment. 

The Cube Wealth lumpsum calculator is simple and easy for beginners to use. It will help you visualize probable returns on your lumpsum investments.

The parameters used to calculate lumpsum returns :

  1. Expected rate of return: 1 to 40%
  2. Investment frequency: One time
  3. Duration of investment tenure: 1 to 50 years

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How Does This Lumpsum Calculator Work?

A lump sum calculator or mutual fund calculator is basically going to measure compound interest. It is in the simplest words a compound interest calculator.

How To Use The SIP Calculator?

  1. Enter investment amount
  2. Set investment duration
  3. Selected expected returns (%)
  4. Look at the results
  5. Download the Cube Wealth app

Formula to calculate lumpsum returns

FV = PV * (1 + (r / 100)) ^ (n)

  • FV - Future Value
  • PV : Present Lumpsum investment amount
  • i : Periodic rate of interest.
  • n : Years you will invest

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What Is A Lumpsum Investment?

As the name suggests, this type of investment involves using a large lump of money (sum) to buy mutual funds. This way you buy a big chunk of a mutual fund scheme that you believe will perform well in the long run.

A lump sum investment works well when the market is down or when you’re investing for the long term and have a good risk appetite. People generally do this when they receive a large sum of money from retirement or sale of a house etc.

However, most people can not afford to take risks with a large sum of money so it becomes paramount to invest with quality advice from a leading expert like Wealth First, that Cube gives you access to

Love what you see and want to get started? Download the Cube Wealth App.

What Are The Benefits Of Investing A Lumpsum?

If you’re looking for reasons to start investing and begin with a lump sum, we’ve got quite a few!

  • Simple & Convenient

    Since investing a lump sum is a one time exercise, it is often a shut it and forget it type of investment for the long-term. This is ideal for those who have received a sudden bonus or want to start big and then continue with a SIP.


  • Market Timing 

    A lump sum investment can fetch you more mutual fund units when the market is experiencing a downward cycle, unlike a SIP where you invest across market cycles.

    However, you do miss out on the benefits of rupee cost averaging.
  • Suitable Long Term Investment

    After investing a lump sum, staying invested in the mutual fund and starting a SIP then onwards can help you generate potentially high returns over 5+ years. But importantly, you need to know which mutual funds to stick with.

    If you’re using Cube Wealth, you will only see funds recommended by our proven mutual fund advisory partner Wealth First.

  • Lower Transaction Cost

    Lump sum investments incur a lower transaction cost compared to SIPs. Thus, investors may find it more efficient to save on exit load and other fees by investing a lump sum. 

Cube Wealth helps you see all your mutual fund investments at a glance. This way you get to monitor them easily but don't need to do much to grow your wealth.

Plus the sooner you start the more you stand to benefit. The mutual fund calculator above can help you get an idea of the returns you can expect.

How To Invest A Lumpsum In Mutual Funds In India?

There is a convenient way of investing a lump sum in mutual funds in India - using the Cube Wealth app. High-quality wealth advisory wasn’t always available to the common investor in India.

However, Cube has changed that with curated and handpicked mutual fund recommendations from our mutual fund advisory partner, Wealth First, that you can access using the Cube Wealth app for free.

We would love to hear from you about the lump sum mutual fund calculator. Feel free to email us at feedback@bankoncube.com with the subject line, “Lumpsum Calculator”.

FAQs On Lumpsum Calculator

  1. What is a lump sum Mutual Fund?

    A lump sum means a large amount of money that is generally used to invest in an asset like mutual funds in one go. Cube Wealth helps you invest a lump sum in mutual funds with advice from Wealth First for free!

  2. Is it good to invest lumpsum in Mutual Funds?

    Lump sum investments require diligent planning and execution. That said, a lump sum investment does have pros like the convenience and low transaction cost. 

    Thus, a lump sum can be a potential way to invest in mutual funds. To make things easier, Cube works with trained experts called Wealth Coaches.

    Cube Wealth Coaches can help you figure out which method of investing can work for you. Consult a Cube Wealth Coach to know more about lump sum mutual funds.

  3. What Mutual fund is best for lumpsum?

    When investing in a lump sum in mutual funds, it becomes even more important to choose the right mutual fund scheme option. Cube Wealth helps you do this with curated recommendations from Wealth First, our mutual fund advisor. 

    Wealth First handpicks a set of best mutual funds for a lump sum or SIP investment every month
  4. How does a lump sum Mutual Fund work?

    A lumpsum mutual fund investment is simple and straightforward:

    Invest a large sum of money (typically more than ₹10,000)
    Get mutual fund units based on investment
    Stay invested for 5+ years

    Download the Cube Wealth app to learn more about lump sum mutual fund investments.

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