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Goal Lumpsum Calculator

Result

Show formula & working

Lumpsum = (Cost today × (1 + i)^N − Savings × (1 + R)^N) ÷ (1 + R)^N

First the goal is inflated to the year you need it. Existing savings, grown at the assumed return, come off.

What remains is discounted back to today at the assumed return — that is the one-time amount to invest now.

Lumpsum or SIP?

If you have the money, a lumpsum has longer to grow. Most people combine both — see the SIP + Lumpsum calculator.

Why does a small change in return matter so much?

Over long periods, compounding magnifies differences in the assumed return.

Turn these numbers into a decision that fits your situation.

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