Lumpsum Calculator
See what a one-time investment could grow to over a period at an expected yearly return.
About the Lumpsum Calculator
Enter the amount you invest once, the yearly return you expect and how many years you'll stay invested. The calculator shows the expected value, how many times your money multiplies, and the growth year by year.
A lump sum compounds every year on the whole amount. Long-run equity fund returns have historically been higher than fixed deposits but come with ups and downs; the calculator assumes a steady rate.
The formula
Value = P × (1 + r)ⁿ
- P
- amount invested
- r
- expected yearly return as a decimal
- n
- years invested
Worked example
₹1,00,000 invested for 10 years at 12% a year
- 1.12¹⁰ = 3.106
- Value = 1,00,000 × 3.106 = ₹3,10,585
- About 3.1 times the amount invested
Things to keep in mind
- Before tax and fund expenses unless your return is already net of them.
- Real markets don't rise steadily; the value can be well below this in a bad year.
Questions people ask
Lump sum or SIP?
A lump sum invested earlier usually ends higher if markets rise, but a SIP spreads the risk of investing at a peak.
What return should I use?
Use a cautious long-term figure; past returns don't guarantee future ones.
How long to double my money?
Roughly 72 ÷ the yearly return: about 6 years at 12%.