Investments calculator
Lumpsum Calculator
Estimate how a one-time (lumpsum) investment could grow over time at an assumed rate of return, with a year-by-year view of its value.
An assumption, not a forecast.
Illustrative future value
₹13 lakh
₹5,00,000 invested once, held 10 years at an assumed 10% a year
- Amount invested
- ₹5 lakh
- Estimated growth
- ₹7.97 lakh
- Future value
- ₹13 lakh
- Amount invested
- Estimated growth
Formula: FV = P × (1 + r)ᵗ with annual compounding. Assumes a constant return each year. Real returns vary and can be negative.
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How to use the lumpsum calculator
- 1
Enter the amount you plan to invest in one go.
- 2
Choose an expected annual rate of return.
- 3
Choose the number of years you plan to stay invested, then review the result.
Example
₹5 lakh invested for 10 years at an assumed 10% a year would have an illustrative value of about ₹12.97 lakh. Actual results will differ.
How the lumpsum calculator works
The calculator uses annual compounding: FV = P × (1 + r)ᵗ, where P is the amount invested, r is the annual rate of return and t is the number of years.
Like any calculator of this kind, it assumes a steady return every year. Market-linked investments do not grow in a straight line, and their value can fall.
Lumpsum or SIP?
A lumpsum puts all your money to work at once, while a SIP spreads it over time. Investors with a large amount to invest sometimes use a Systematic Transfer Plan (STP) to move money gradually from a debt fund into an equity fund. The right approach depends on your goals, time horizon and comfort with volatility.
Frequently asked questions
Is a lumpsum investment better than a SIP?
Neither is better in every situation. A lumpsum may suit someone with a large amount and a long time horizon; a SIP builds a habit and spreads purchases over time. Many investors use both.
Does the calculator account for inflation?
No. It shows a value in future rupees. To think in today's money, remember that rising prices reduce what that future amount can buy.
Are the returns guaranteed?
No. Mutual fund returns are market-linked and not guaranteed. The calculator is for illustration only.
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A calculator gives you a starting point. We can help you understand what it means for your situation, with no obligation.
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