Lump-sum investing places a larger amount into the market at once, then lets compounding work over your chosen horizon.
When people use lump sum
Bonus payouts, matured deposits, or existing savings are common lump-sum sources. The trade-off is higher sensitivity to the entry point versus spreading purchases via SIP.
How we estimate
Calc Wealth models lump-sum growth with monthly compounding at your expected annual return—the same convention used by many mutual fund calculators.