7 Best Lumpsum Calculators Online for 2026
We tested every popular lumpsum calculator for formula accuracy, growth multiplier, charts, and year-by-year breakdown. Here's which ones one-time investors should use.
Received a bonus, inheritance, or maturity payout? A lumpsum calculator tells you what that one-time investment will grow to. The math is simple — compound interest: FV = P × (1 + r)^n — but the visualisation and context matter. ₹5 lakh at 12% for 20 years becomes ₹48.23 lakh — a 9.65x multiplier. Seeing that growth curve year by year changes how you think about investing.
We tested 7 lumpsum calculators with identical inputs — ₹1,00,000 at 12% for 10 years. The correct answer is ₹3,10,585 (a 3.11x multiplier).
Quick Verdict
- Best overall: ITR Stats — real-time results, growth multiplier, interactive charts, year-by-year table, dark mode
- Best for fund investing: Groww — SIP/Lumpsum toggle with direct fund investment
- Best for tax planning: ClearTax — ELSS lumpsum with tax-saving integration
- Best for goal planning: ET Money — goal-based investment recommendations
What We Tested
For each calculator, we checked:
- Formula accuracy — uses FV = P × (1 + r)^n correctly
- Growth multiplier — shows how many times your money grows (e.g., 3.11x)
- Year-by-year breakdown — table showing value at end of each year
- Charts — doughnut (invested vs returns) and bar chart (growth timeline)
- SIP comparison — shows lumpsum vs SIP for the same amount
- Real-time calculation — updates as you type
- Tax information — LTCG/STCG implications mentioned
The 7 Best Lumpsum Calculators
The most feature-rich lumpsum calculator we tested. Shows invested amount, estimated returns, total value, and a growth multiplier (e.g., "3.11x") — all updating in real-time. Features an interactive doughnut chart (invested vs returns) and stacked bar chart showing year-by-year growth. Includes a toggleable breakdown table with exact value at the end of each year.
Strengths
- Real-time results — no button
- Growth multiplier (e.g., 3.11x)
- Interactive doughnut + bar charts
- Year-by-year breakdown table
- Correct compound interest formula
- Dark mode, no ads, no login
Limitations
- No SIP comparison on same page
- No fund-specific return data
- No tax (LTCG/STCG) calculation
Groww's lumpsum calculator is part of their SIP calculator page — toggle between SIP and Lumpsum tabs. Clean slider UI, accurate formula, and a pie chart showing invested vs returns. The "Invest Now" button links directly to mutual fund investment, making it seamless for Groww users.
Strengths
- SIP/Lumpsum toggle on same page
- Direct "Invest Now" link to funds
- Clean, ad-light interface
- Pie chart for visual breakdown
- Accurate formula
Limitations
- No growth multiplier shown
- No year-by-year table
- No bar chart for growth timeline
- Slider-only input
ClearTax's lumpsum calculator is basic but ties into their broader tax and investment platform. It calculates returns on a one-time investment and links to ELSS tax-saving funds for lumpsum investment. The surrounding content explains LTCG taxation on mutual fund gains.
Strengths
- ELSS lumpsum investment integration
- LTCG taxation explained
- Trusted brand
- Simple visual breakdown
Limitations
- No growth multiplier
- No year-by-year table
- No interactive charts
- Ad-heavy page
ET Money's calculator uses their signature slider UI and adds goal-based context. Beyond the basic calculation, it recommends specific mutual funds and shows how a lumpsum investment helps you reach financial goals (house, car, retirement). Visual breakdown of invested vs returns included.
Strengths
- Goal-based investment context
- Fund recommendations
- Visual breakdown chart
- Accurate calculations
Limitations
- No growth multiplier
- No year-by-year table
- Pushes premium app
- Marketing-heavy layout
Angel One's lumpsum calculator provides the basics — amount, rate, tenure, and future value. Shows a bar chart of invested vs returns. Ties into their mutual fund and demat account platform. Functional but not differentiated.
Strengths
- Accurate calculations
- Bar chart included
- Links to investment platform
Limitations
- No growth multiplier
- No year-by-year breakdown
- Basic UI
- Platform marketing heavy
Scripbox provides a clean, minimalist lumpsum calculator. Shows invested amount and returns with a simple visual. The content around it focuses on when to invest lumpsum vs SIP and recommends Scripbox's curated portfolios for one-time investments.
Strengths
- Clean, distraction-free design
- Lumpsum vs SIP guidance
- Curated portfolio recommendations
Limitations
- No growth multiplier
- No charts or tables
- Pushes Scripbox products
- Limited features
BankBazaar's lumpsum calculator is bare-bones — enter amount, rate, tenure, get the future value. No charts, no tables, no multiplier. Just the number. Fast and functional for a quick estimate, but offers nothing beyond the basics.
Strengths
- Simple and fast
- No login required
- Accurate formula
Limitations
- No charts or visual breakdown
- No year-by-year table
- No growth multiplier
- Ad-heavy layout
Quick Comparison Table
| Feature | ITR Stats | Groww | ClearTax | ET Money | Angel One |
|---|---|---|---|---|---|
| Correct Formula | Yes | Yes | Yes | Yes | Yes |
| Growth Multiplier | Yes | No | No | No | No |
| Real-Time (No Button) | Yes | Slider | No | Slider | No |
| Doughnut Chart | Yes | Pie | No | Yes | No |
| Growth Bar Chart | Yes | No | No | No | Yes |
| Year-by-Year Table | Yes | No | No | No | No |
| SIP Toggle | No | Yes | No | No | No |
| Fund Investment | No | Yes | ELSS | Yes | Yes |
| Dark Mode | Yes | No | No | No | No |
| No Login Needed | Yes | Yes | Yes | Yes | Yes |
Our Recommendation
For the best understanding of how your lumpsum grows — real-time compound interest with a growth multiplier, interactive charts, and year-by-year table — ITR Stats is the clear winner. Seeing that your ₹1 lakh becomes 3.11x in 10 years and 9.65x in 20 years is far more impactful than just seeing a future value number.
If you want to invest immediately after calculating — Groww has the smoothest flow from calculator to mutual fund investment. The SIP/Lumpsum toggle is also useful for comparison.
If you're making a tax-saving lumpsum investment in ELSS — ClearTax ties the calculator directly to their investment flow. If you want goal-based planning — ET Money adds the most context around what your lumpsum can achieve.
Try Our Lumpsum Calculator
Growth multiplier, interactive charts, year-by-year breakdown. Real-time results. No login. No ads.
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