Lumpsum Calculator
Estimate the future value of a one-time investment at an assumed annual return.
Estimated value at the end
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- Amount invested
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- Estimated gains
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- Value / invested
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Assumes a constant annual return compounded yearly. Actual returns vary and are not guaranteed.
Formula
FV = P × (1 + r)^t
where P is the amount invested, r is the assumed annual return and t is the number of years.
The result is an estimate based on a constant return, which real investments do not deliver.
Worked example
Investing ₹1,00,000 once at an assumed 12% a year for 10 years gives an estimated value of about ₹3,10,585 — the money roughly triples. At 7% a year, the same investment grows to about ₹1,96,715. The difference shows how much the result depends on the return you assume.
A quick sense-check: the rule of 72
Divide 72 by the annual return to estimate how many years it takes to double your money. At 12% that is about 6 years; at 8% about 9 years. If the calculator's answer is far from this, check your inputs.
Lump sum or SIP?
A lump sum is fully invested from day one, so it benefits most when markets rise after you invest and suffers most when they fall. A SIP spreads your entry over time. Many investors who receive a large amount at once move it into the market gradually through a systematic transfer plan (STP). Compare both approaches with the SIP calculator and read what is a SIP.
Limitations
The result is before tax and assumes the return is the same every year. Inflation also reduces what the future amount can buy; to plan for a specific goal in today's money, use the investment goal calculator.
Frequently asked questions
Is lumpsum better than SIP?
It depends on market conditions and your cash flow. See our guide on SIPs for the trade-offs.