Error message

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  • Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
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  • Warning: Undefined array key "caption" in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements() (line 150 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
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Lumpsum Calculator

Project what a one-time investment grows into with annual compounding — amount, expected return and tenure in, total value and year-wise growth out.

Year-wise growth
Year Invested Value at year end
1 ₹1,00,000 ₹1,12,000
2 ₹1,00,000 ₹1,25,440
3 ₹1,00,000 ₹1,40,493
4 ₹1,00,000 ₹1,57,352
5 ₹1,00,000 ₹1,76,234
6 ₹1,00,000 ₹1,97,382
7 ₹1,00,000 ₹2,21,068
8 ₹1,00,000 ₹2,47,596
9 ₹1,00,000 ₹2,77,308
10 ₹1,00,000 ₹3,10,585

What is a lumpsum investment?

A lumpsum investment is a single one-time amount put to work on day one — an annual bonus, an FD or insurance maturity, sale proceeds, an inheritance — then left to compound for a chosen number of years. Nothing is added later, so the outcome depends on just three things: the amount, the rate and the time.

This calculator projects that growth with annual compounding, the standard market convention for one-time investments, and returns the invested amount, expected returns and total value along with a year-wise growth schedule. It is deliberately generic: use it for any one-time amount you expect a yearly rate on, whatever the asset.

The lumpsum formula

FV = P × (1 + r)ᵗ

  • FV — the future value (shown as Total value)
  • P — the one-time amount you invest
  • r — the expected annual return as a decimal (12% = 0.12)
  • t — the years invested; fractions are allowed, so months and days are converted

Compounding is annual — the convention used across market lumpsum calculators, and the natural fit when the expected return is quoted as a yearly figure. If you want to see how monthly or quarterly compounding changes the answer, the compound interest calculator lets you switch the frequency.

How to use this calculator

  1. Keep the investment type toggle on Lumpsum. Switching to SIP turns the page into recurring-deposit math — that mode has its own calculator.
  2. Enter the one-time investment, from ₹500 up to ₹1 crore.
  3. Set the expected return (p.a.) for the asset you have in mind.
  4. Set the time period in years, adding months or days for a part year.
  5. Optionally set adjust for inflation to 5%, 6% or 7% to also see the corpus in today’s purchasing power.
  6. Read the invested amount, expected returns and total value, and scan the year-wise table to watch the compounding accelerate.

A worked example

₹1,00,000 invested once at 12% p.a. for 10 years:

  • Invested: ₹1,00,000
  • Estimated returns: ₹2,10,585
  • Total value: ₹3,10,585

At 12% the amount roughly doubles every six years (the rule of 72), which is why ten years turns one lakh into more than three — the second doubling is already under way when the clock stops.

What ₹1 lakh grows into (annual compounding)

Expected return 5 years 10 years 20 years
8% ₹1,46,933 ₹2,15,893 ₹4,66,096
10% ₹1,61,051 ₹2,59,374 ₹6,72,750
12% ₹1,76,234 ₹3,10,585 ₹9,64,629

FV = ₹1,00,000 × (1 + r)ᵗ, rounded to the nearest rupee. Market-linked assets do not grow in a straight line; these are planning figures at a constant assumed rate.

Lumpsum, SIP or mutual fund calculator — which one?

Use this lumpsum calculator for generic one-time growth: one amount, one annual rate, annual compounding. It is asset-agnostic — an equity fund, a hybrid fund, or anything else you can attach a yearly growth assumption to.

Use the mutual fund returns calculator when you are thinking specifically in fund terms — it runs on the same engine but frames the inputs around fund returns and lets you flip between a one-time purchase and a SIP while comparing schemes. Use the SIP calculator when you are investing monthly rather than once: recurring instalments follow monthly annuity-due math, not the single-shot formula above, and the same total outlay produces a very different outcome.

Lumpsum questions, answered

Compounding conventions, lumpsum versus SIP, tax on gains and what the inflation toggle shows.