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Lumpsum Investment Calculator

Estimate the future value of a one-time lumpsum investment in ₹.

Runs in your browser — files never leave your device

Future value
₹3,10,584.82
Invested
₹1,00,000
Returns
₹2,10,584.82

How it works

This calculator projects what a one-time investment grows to under steady compound growth. Enter the amount, the annual return you expect and the number of years you will stay invested; it returns the future value, the amount you put in and the wealth gained. It is the standard estimate for mutual-fund lumpsum investments, and it works for any asset you can attach an annual growth rate to.

The math is single-formula compound interest with annual compounding: future value = P × (1 + r)^t, where P is the investment, r the annual return as a decimal and t the number of years. The tool applies the rate once per year — the same convention as CAGR, so a fund’s published CAGR can be entered directly. Because each year’s return is earned on the principal plus all previous years’ returns, growth accelerates over time. Returns shown are the future value minus the principal, rounded to the paisa.

Worked example with the defaults: ₹1,00,000 invested at 12% for 10 years. Future value = 1,00,000 × (1.12)^10 = 1,00,000 × 3.105848… = ₹3,10,584.82, so the estimated returns are ₹2,10,584.82 — more than double the amount invested. The rule of 72 explains the shape: at 12% money doubles roughly every 72 ÷ 12 = 6 years, and indeed the same inputs at 6 years give ₹1,97,382.27, just short of a double. The second doubling then happens without any extra deposit — that is compounding doing the work.

Remember what the single steady rate hides. Market returns arrive unevenly — a fund that averages 12% might swing between −20% and +40% in individual years — so the output is a scenario, not a forecast, and it ignores taxes, expense ratios, exit loads and inflation. If you are choosing between investing at once and investing monthly, compare this against the SIP calculator: the formulas differ because the cash flows do.

Frequently asked questions

How is a lumpsum investment different from a SIP?
A lumpsum puts the whole amount to work on day one and compounds it as a single block; a SIP invests a fixed sum every month, so each instalment compounds for a different length of time. This tool uses FV = P × (1 + r)^t, while the SIP calculator uses an annuity formula. A lumpsum exposes the full amount to the market immediately — powerful in rising markets, riskier just before a fall.
What return should I enter?
Whatever you consider realistic for the asset. Long-run assumptions for Indian equity funds commonly sit around 10–12% a year, with debt funds and deposits lower. The tool accepts any rate — running a conservative case and an optimistic case side by side is more informative than a single “expected” number.
Does the calculator compound monthly or yearly?
Yearly — future value = P × (1 + r)^t with the rate applied once per year. That matches how CAGR is defined, so a fund factsheet’s point-to-point growth number plugs straight in. It is not meant for bank deposits that compound quarterly; use the FD calculator for those.
How long does it take to double my money?
Divide 72 by the annual return for a quick estimate. At 12% that is about 6 years — and the formula agrees: ₹1,00,000 at 12% shows ₹1,97,382.27 after 6 years, essentially a double. At 8% the doubling time stretches to roughly 9 years.
Does it account for inflation or tax?
No. The output is a nominal, pre-tax figure. Subtract expected inflation from your return for a real-terms view (12% nominal with 6% inflation is roughly a 6% real return), and remember that gains on most assets attract capital-gains tax when you sell — the capital gains calculator estimates that.
Is my data uploaded?
No — everything is computed in your browser; nothing is sent to a server.

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