Lumpsum Calculator
Grow a one-time investment at an expected annual return and see its value year by year.
About Lumpsum Calculator
This free lumpsum calculator shows what a one-time investment could grow to. Enter the amount you invest once, the expected annual return and the number of years, and see the future value, the total gain and a year-by-year table of growth.
It is useful for a one-time investment in a mutual fund, a bonus you want to park for a goal, or comparing a lump sum with a SIP. Returns are compounded yearly and shown before tax; the rate you enter is an assumption, not a guarantee. The calculation runs entirely in your browser.
How to use Lumpsum Calculator
- Enter the amount you invest once.
- Set the expected annual return and period.
- Read the future value and the year-wise growth.
Frequently asked questions
What is the formula?
Future value = P × (1 + r)t, compounded yearly, where r is the annual return and t the number of years.
Lumpsum or SIP — which is better?
A lumpsum gets more time in the market if invested early, while a SIP averages your purchase cost when markets are volatile. Many investors park a lumpsum in a liquid fund and move it through a systematic transfer plan (STP).
Does this include tax or fees?
No. The result is before capital gains tax and assumes the return you enter is after the fund’s expense ratio.
How do I calculate lump sum returns?
Future value = Amount × (1 + annual return)^years. For ₹1,00,000 at 12% for 10 years, the value is about ₹3.11 lakh.
What is a one-time investment plan?
It is any investment made with a single payment rather than instalments, such as a lumpsum in a mutual fund or a fixed deposit.
Can I use this for a fixed deposit?
It compounds yearly, while bank FDs usually compound quarterly. Use the FD Calculator for an exact deposit maturity.
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