This is all in one Lump Sum SIP Calculator with lump sum, regular contribution, extra contribution, selecting investment frequency, Summary, Charts, Investment Table and lot of additional in-built features. Lump Sum Calculator can be use as Return on Investment Calculator, Compound Interest Calculator, Stock Market Return Calculator, Future Value Calculator and Interest on Investment Calculator. It can be use as Fixed Deposit Calculator, Recurring Deposit Calculator, Investment Calculator, CD Calculator, Savings Calculator, Mutual Fund Return Calculator and many more calculators related to other investment types.

Note: (1) We have created separate version compatible for different spreadsheets. (2) Click on “Enable Editing” option after you see “Protected View” default message in excel sheet.

Table of Contents

## What is Lump Sum Payment?

Lump Sum means investing large amount of money in one shot. Lump Sum Payment means to investing money in one installments. LS is a short form for Lump Sum. Majority of individuals have lump sum as preferred choice for making investments. Lump sum provides higher returns compare to SIP installments.

There are two methods of making investments into mutual funds. Lump Sum and Systematic investment planning which is popularly known as SIP. Normally big giant players and investors prefers lump sum investment. They invest in shares as it provides higher growth of returns in long term with minimum risk.

## Lump Sum Example

Let us take an example of lump sum to understand it. Assume that you want to invest 120,000 as a lump sum investment for 10 years in XYZ mutual fund. You can expect 12% annual rate of return base on past performance of this mutual fund. Let us now evaluate the result based on our Lump Sum Calculator. You will notice that after 10 years you can expect return of 372,702 on your investment.

## Lump Sum Vs Annuity

Lump Sum refers to payment in one installment. You can collect your funds at one time. Lump sum payment benefits individuals. Investment growth is higher in lump sum investing plans.

Annuity refers to payment made in intervals including monthly or every year. You can collect your money partially on monthly, quarterly or annually based on your requirement.

## Example of Lump Sum Vs Annuity

If an individual is planning for his retirement pension and chooses lump-sum option. He will receive his pension amount in one installment. This can be use to pay-off existing debts or make systematic investment. He will receive pension amount monthly, quarterly or annually in annuity. Individual are at risk of losing higher returns when it has fixed annuity interest rate.

## What is SIP?

SIP means investors to invest fixed amount at regular intervals in mutual funds as per their requirement. Systematic Investment Plan is a full form for SIP. You can start towards SIP with minimum investment of 500. Money is auto debited every month or quarterly from your saving accounts and invested in chosen mutual funds. It helps investors to save frequently which benefits in long term.

## SIP Example

Let us take an example of SIP investment to understand better. Assume that you invest 1,000 towards SIP in XYZ mutual fund for 10 years. You can expect 12% annual rate. Your total SIP investment amount will be 120,000. Let us now evaluate the result based on our SIP Calculator. You will notice that after 10 years you can expect return of 232,339 on your investment.

Equity market provide average returns of 15% based on past performance of 10 years. Investing in equity mutual funds can grow your investment much more. It is always recommend to purchase more units of mutual fund, when stock market is fallen.

## What is Inflation?

Inflation means the rate at which cost of goods and services rises over time period. It refers to increase in cost of living. Inflation leads to decline in value of money. It reduces purchasing power of each unit of currency, which is measure in percentage. You can also check our interest only calculator to understand it better.

## Example of Inflation

Let’s take an example of Inflation to understand it better. According to data in 1935, cost of milk was 47 cents per gallon. In 1985 after 50 years, cost of milk was $2.20 per gallon. In 2020 after 35 years, this cost is $3.20 per gallon. Price hike is not because of increasing demand, scarcity or higher cost. It is mainly due to currency depreciation because of inflation.

## How to Use Lump Sum SIP Calculator?

It is really straight forward to use lump sum SIP calculator. You need to enter few basic investment details like: starting amount / lump sum amount of investment, regular / systematic contribution, years of investment, Annual Rate of Return, Investment Frequency and Start Date of Investment. Rest of all the details like: Investment Summary, Chart and Investment Table will be automatically update after entering basic details.

Play with tool by changing the investment frequency, add extra contribution and view the result. Get the customized look by changing company name, tagline, phone number, email-id of your company and calculator name. **You are not allow to re-brand or sell without our written permission. Tools listed on our website can only be use for personal and internal purpose.**

## Who can Use Lump Sum Calculator?

Here we have provided lump sum calculator with interactive chart and colourful table. You can use this all in one lump sum SIP calculator as below calculators.

- Future Value SIP Calculator
- Lump Sum Investment Calculator
- Mutual Funds SIP Calculator
- Savings Lump Sum SIP Calculator
- Stock Market Lump Sum Calculator
- Interest on Lump Sum SIP Investment Calculator
- Lump Sum Inflation Calculator
- Recurring Deposit SIP Calculator
- FD Lump Sum Calculator
- And Many More Types of SIP Calculators.

You can download Lump Sum SIP Calculator excel sheet or google spreadsheet and play with it. Most importantly you can customize calculator according to your requirement. This will really assist you to provide interactive charts with personalized result to your customers.