Lumpsum Calculator: What a One-Time Investment Grows To
Enter the amount you invest once, the yearly return you expect and the number of years. Add inflation to see the value in today's money.
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Maturity value
₹3,10,585
- Total invested
- ₹1,00,000
- Estimated returns
- ₹2,10,585
- In words
- 3.11 lakh
- Money grows
- 3.11 ×
Assumes the rate stays the same. Actual returns vary.
Year by year
| Year | Estimated returns | Value |
|---|---|---|
| 1 | ₹12,000 | ₹1,12,000 |
| 2 | ₹25,440 | ₹1,25,440 |
| 3 | ₹40,493 | ₹1,40,493 |
| 4 | ₹57,352 | ₹1,57,352 |
| 5 | ₹76,234 | ₹1,76,234 |
| 6 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹2,10,585 | ₹3,10,585 |
How to use
- Enter the one-time investment amount.
- Enter the expected yearly return and the number of years.
- Optionally add inflation under More options to see the real value.
Good to know
The lumpsum value is FV = P × (1 + r)^n with yearly compounding, which matches how fund returns (CAGR) are reported. A 12% return roughly triples money in 10 years.
Equity returns are uneven: some years are negative. Investing a large amount at once in equity carries timing risk, which is why many investors spread it through an STP or SIP over 6–12 months.
Inflation reduces what the final amount can buy. At 6% inflation, ₹3.1 lakh after 10 years is worth about ₹1.73 lakh in today's money. Tax on capital gains and fund expenses are not included.
Questions
What is the lumpsum formula?
Future value = P × (1 + r)^n, with r the yearly return and n the years.
Lumpsum or SIP, which is better?
Lumpsum gives the money more time in the market; SIP reduces timing risk. For irregular windfalls, many people combine both.
What return should I assume?
Use a conservative figure: 10%–12% for diversified equity over long periods, 6%–7% for debt. Past returns are not guaranteed.
Does it include tax?
No. Long-term capital gains tax and exit loads are not included.
Is my data stored?
No. Everything is calculated on your device.