Lumpsum Calculator
Estimate what a one-time investment could grow to at an expected yearly return.
Estimated total value
3.11 lakhAssumes returns compound once a year.
Year-wise growth
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹25,440 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹40,493 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹57,352 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹76,234 | ₹1,76,234 |
| 6 | ₹1,00,000 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,00,000 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,00,000 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,00,000 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹1,00,000 | ₹2,10,585 | ₹3,10,585 |
What if returns are lower or higher?
The same amount and time period at 2 percentage points below and above the rate you entered.
| Return rate | Estimated returns | Total value |
|---|---|---|
| 10% | ₹1,59,374 | ₹2,59,374 |
| 12% (as entered) | ₹2,10,585 | ₹3,10,585 |
| 14% | ₹2,70,722 | ₹3,70,722 |
How it works
A lumpsum grows by compounding once a year at the expected return rate:
FV = P × (1 + r ÷ 100)t
- FV = estimated value at the end of the period
- P = amount invested once, at the start
- r = expected return, % per year
- t = time period in years
Each year's returns are added to the amount, and the next year's returns are earned on that larger total. That is why the growth table speeds up in later years. Estimated returns = FV − P.
Worked example
You invest ₹1,00,000 once for 5 years and expect10% a year.
- Growth factor = (1 + 10 ÷ 100)5 = 1.15 = 1.61051
- FV = ₹1,00,000 × 1.61051 = ₹1,61,051
- Estimated returns = ₹1,61,051 − ₹1,00,000 = ₹61,051
Frequently asked questions
What is a lumpsum investment?
A lumpsum investment is a single, one-time amount you invest, for example putting a bonus or the proceeds of a sale into a mutual fund in one go, instead of spreading it over monthly SIP instalments.
How does this calculator work out the value?
It compounds your amount once a year at the return rate you enter: value = amount × (1 + rate ÷ 100)^years. The rate works like a CAGR (compound annual growth rate), the steady yearly rate that would turn your amount into the final value.
Are the returns guaranteed?
No. Market-linked investments such as equity mutual funds rise and fall, and no fund delivers the same return every year. Treat the result as an estimate for planning, not a promise.
What return rate should I enter?
Enter a rate you consider realistic for the investment. Fund factsheets show past returns, but past performance may not be repeated. Trying a cautious, a middle and an optimistic rate gives you a useful range.
Lumpsum or SIP: which is better?
It depends on the market and on you. A lumpsum is fully invested from day one, so it gains more when markets rise and is hit harder by an early fall. A SIP spreads the risk of investing at the wrong time. Compare the two with the SIP calculator.
Does the result include taxes or exit loads?
No. Taxes on gains and any exit load charged on redemption are not included, so the money you actually receive can be lower.
Can I use this for a fixed deposit?
Only roughly. Fixed deposits often compound more than once a year. For a deposit, use the compound interest calculator and pick the compounding frequency stated in your deposit terms.