Lumpsum Calculator
See how a one-time investment grows over time. Adjust the sliders and the projection updates as you go.
Future value
- Invested
- Gained
- Multiplier
Where the final value comes from
is returns, not money you put in
- Your money doubles by
- Returns earned in the last 5 years
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Year-by-Year Breakdown
| Year | Portfolio Value | Wealth Gained | Multiplier |
|---|
Projection compounds the expected return annually (future value = amount × (1 + return)years), so the CAGR shown equals the return you enter. It assumes a constant return and is pre-tax. Results are indicative only.
What Does This Calculator Show?
It shows what a one-time investment could grow to if it earned a steady annual return for the years you choose. A SIP calculator models monthly contributions; this one models a single upfront amount left to compound. The result is pre-tax and assumes a constant return, so real outcomes will swing around it, especially in equity.
Enter three inputs (the amount, expected annual return and tenure) and you see the future value of your corpus, the total wealth gained, and a year-by-year breakdown of how your money multiplies. This is especially useful when you receive a bonus, inheritance, or any windfall and want to see how parking it in equity or debt instruments can grow over time.
Worked example: ₹1 lakh invested for 10 years
Illustrative: you invest ₹1,00,000 once, assume 12% a year and leave it for 10 years. These are the calculator's default inputs, so the numbers above should match.
| Result | Value |
|---|---|
| Initial investment | ₹1,00,000 |
| Wealth gained | ₹2,10,585 |
| Future value | ₹3,10,585 |
| Wealth multiplier | 3.11x |
Your money roughly triples, and most of the growth comes late. After 5 years the value is about ₹1.76 lakh, so the second five years add about ₹1.34 lakh against ₹76,000 in the first five.
The decision this informs is how long you can leave a windfall untouched. If you may need it within three years, 12% is the wrong input: use a debt fund or FD rate instead. The figure is pre-tax and assumes a steady return, which equity never delivers year to year.
How to Use This Lumpsum Calculator
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1
Enter your investment amount
Use the slider or type directly. This is the one-time amount you plan to invest: a bonus, savings, or matured FD proceeds.
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2
Set the expected annual return
A planning figure of around 10–12% p.a. is common for diversified equity funds over long periods, but past returns vary a lot and are not guaranteed. Debt funds and FDs return less, so check current bank FD rates, which move with the RBI repo rate (raised to 5.50% on 7 October 2026). Use a realistic figure for your asset class.
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3
Choose your investment tenure
Compounding does most of its work in the later years, so tenure matters as much as return. Try 5 vs 15 years at the same rate to see the difference.
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4
Read your results instantly
The calculator updates live. Check the future value, wealth gained, multiplier, and the year-by-year breakdown table to understand the compounding trajectory.
Lumpsum vs SIP: Which is Better?
| Factor | Lumpsum | SIP |
|---|---|---|
| Investment style | One-time, upfront | Regular monthly instalments |
| Best when | Markets are low or you have a windfall | Steady income, any market condition |
| Risk | Higher: a bad entry point hurts the whole amount | Lower: buying every month averages out the entry price |
| Compounding | Full amount compounds from day one | Each instalment compounds separately |
| Ideal for | Bonus, inheritance, matured FD | Salaried monthly savings |
You don't have to pick one. A common setup is a lumpsum for money you already have plus a monthly SIP for ongoing savings.
