Lumpsum Calculator
₹1 lakh invested once at an assumed 12% a year grows to about ₹3.11 lakh in 10 years and ₹9.65 lakh in 20 years.
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A lumpsum investment is a single, one-time amount. Its value compounds at the annual return you expect over the holding period.
How the lumpsum calculation works
FV = P × (1 + r)ᵗ, where P is the amount invested, r the annual return and t the number of years.
Example
₹1,00,000 invested once at 12% a year for 10 years grows to about ₹3,10,585.
Lumpsum Calculator scenarios
| Annual return | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| 6% | ₹1.34 lakh | ₹1.79 lakh | ₹2.40 lakh | ₹3.21 lakh |
| 8% | ₹1.47 lakh | ₹2.16 lakh | ₹3.17 lakh | ₹4.66 lakh |
| 10% | ₹1.61 lakh | ₹2.59 lakh | ₹4.18 lakh | ₹6.73 lakh |
| 12% | ₹1.76 lakh | ₹3.11 lakh | ₹5.47 lakh | ₹9.65 lakh |
| 15% | ₹2.01 lakh | ₹4.05 lakh | ₹8.14 lakh | ₹16.37 lakh |
What changes the result
- The holding period — compounding accelerates in later years.
- The return you assume, which depends on the asset (equity, debt, hybrid) and is never guaranteed for market-linked funds.
- Entry timing: a single investment is fully exposed to the market level on the day you invest.
- Costs and tax: expense ratio, exit load and capital gains tax reduce what you actually keep.
How to use this calculator
- Enter the amount you are investing once.
- Enter the expected annual return.
- Enter how many years you will stay invested.
- Read the estimated future value and the gain over your investment.
Lumpsum Calculator FAQs
Lumpsum or SIP — which is better?
A lumpsum puts all your money to work at once; a SIP spreads purchases over time and reduces the impact of market timing. The right choice depends on when you have the money and your comfort with volatility.
How long does it take money to double?
A quick estimate is the rule of 72: divide 72 by the annual return. At 12% money roughly doubles in 6 years; at 8%, in about 9 years.
Can I invest a lumpsum gradually?
Yes. Many fund houses offer a systematic transfer plan (STP) that parks the lumpsum in a liquid or debt fund and moves a fixed amount into an equity fund each week or month.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.