Lumpsum Calculator
Project the future value of a single one-time investment compounding at an expected annual rate of return over a chosen number of years — for money invested all at once rather than in monthly instalments.
- 1Enter the one-time amount you plan to invest
- 2Enter the expected annual rate of return
- 3Enter the investment period in years
- 4Click Calculate to see your invested amount, expected value, and returns
What it calculates
For a single one-time investment, the tool computes value = amount × (1 + expected return)^years and reports the invested amount, the expected value and the gain. It is the same compound-growth idea as the compound-interest tool, with annual compounding fixed.
Worked example
Rs. 5,00,000 invested for 10 years at an assumed 12% a year becomes about Rs. 15,52,924, a gain of about Rs. 10,52,924.
How to use it sensibly
- The return you enter is an assumption, not a forecast. Equity fund returns vary widely year to year, so try a low, middle and high case such as 8%, 10% and 12%.
- Results are before tax, exit loads and expense ratios. Use a rate that is already net of fund costs if you want a realistic picture.
- For the actual performance of something you already hold, the mutual fund returns calculator works from buy and current NAV instead.
Lumpsum or SIP?
A lumpsum is exposed to the market from day one, so timing matters more. A SIP spreads purchases over time. Compare both with the same assumed rate to see how much each approach needs to reach a target.