Lumpsum Calculator
See what a one-time investment grows to over time.
Your inputs
Compounded annually at the return you set.
Growth over time
Year-by-year projected value at your current amount and assumed return.
| Year | Estimated value |
|---|---|
| 1 | ₹5,60,000 |
| 2 | ₹6,27,200 |
| 3 | ₹7,02,464 |
| 4 | ₹7,86,760 |
| 5 | ₹8,81,171 |
| 6 | ₹9,86,911 |
| 7 | ₹11,05,341 |
| 8 | ₹12,37,982 |
| 9 | ₹13,86,539 |
| 10 | ₹15,52,924 |
Return scenarios
These are scenario assumptions to help you compare outcomes — not expected or guaranteed returns.
| Assumed return | Future value |
|---|---|
| 6% | ₹8,95,424 |
| 8% | ₹10,79,462 |
| 10% | ₹12,96,871 |
| 12% | ₹15,52,924 |
| 15% | ₹20,22,779 |
Time horizon
Same amount and return, held for different periods — this is where compounding does most of the work.
| Period | Future value |
|---|---|
| 5 years | ₹8,81,171 |
| 10 years | ₹15,52,924 |
| 15 years | ₹27,36,783 |
| 20 years | ₹48,23,147 |
| 25 years | ₹85,00,032 |
What will this be worth after inflation?
Your projected future value in today's purchasing power.
Lumpsum vs SIP
A mathematical comparison at the same assumed return and period — not a recommendation. The better choice depends on your starting capital, contribution schedule, and the market path actually taken.
| Lumpsum | SIP | |
|---|---|---|
| Investment pattern | One-time | Monthly |
| Total invested | ₹5,00,000 | ₹4,80,000 |
| Estimated future value | ₹15,52,924 | ₹9,29,356 |
How much should I invest today?
Work backward from a target amount to the lumpsum you'd need to invest now.
The values above are before any applicable capital gains tax on redemption — use the Capital Gains Calculator to estimate tax on your actual gains.
Estimate capital gains taxEstimates only. Figures are indicative and do not constitute financial advice.
About the Lumpsum Calculator
Got a bonus, matured FD, or inheritance and want to know what it'll be worth in 10 or 20 years if you invest it in one shot? A lumpsum calculator answers exactly that — unlike a SIP calculator (which spreads investment over monthly instalments), this tool projects the future value of a single, one-time investment compounded annually at your expected rate of return.
Lumpsum investing works best when you already have a large sum available and don't want to wait to deploy it gradually — common scenarios include investing a bonus, an inheritance, proceeds from selling property, or a matured fixed deposit into equity mutual funds, index funds, or direct stocks. The math here is straightforward compound growth: your investment amount multiplied by (1 + expected return) raised to the number of years. A ₹5 lakh lumpsum growing at 12% annually for 10 years, for example, grows to roughly ₹15.5 lakh — more than triple, purely from compounding, without adding another rupee. This calculator is useful for comparing a lumpsum investment against alternatives like a fixed deposit, working out how long it'll take a lumpsum to double or triple at a given return rate, or simply seeing the power of staying invested for longer instead of withdrawing early. Keep in mind actual mutual fund and equity returns fluctuate year to year — this shows a smoothed, constant-rate projection, not a guarantee.
How to use this calculator
- Enter the amount you want to invest as a lumpsum.
- Set your expected annual rate of return.
- Set the number of years you'll stay invested.
- View your maturity value, total returns, and growth multiple.
Frequently asked questions
›What is a lumpsum investment?
A lumpsum investment is a one-time, single deposit into a mutual fund, stock, or other instrument — as opposed to a SIP, where you invest smaller amounts periodically over time.
›Is lumpsum investing riskier than SIP?
It can be, since the entire amount is exposed to market conditions on day one rather than being averaged in over months — lumpsum investing generally suits investors comfortable with short-term volatility for potentially higher long-term compounding.
›How is lumpsum maturity value calculated?
Using compound interest: maturity value equals your investment amount multiplied by (1 + annual return rate) raised to the power of the number of years invested.
›What return rate is realistic for a lumpsum mutual fund investment?
Equity mutual funds have historically averaged roughly 10-12% annually over long periods in India, though this isn't guaranteed and varies by fund and market cycle.
›Can I combine lumpsum and SIP investing?
Yes — many investors invest an initial lumpsum and then continue with a monthly SIP on top, capturing both immediate market exposure and disciplined ongoing investment.
›Is the return shown by this calculator guaranteed?
No — it's a mathematical projection based on the annual return rate you enter, not a guarantee. Market-linked investments like mutual funds and equities can deliver higher or lower actual returns, including losses, in any given period.
›How much will ₹1 lakh become in 10 years?
It depends entirely on your assumed return — enter ₹1,00,000 and 10 years above to see it instantly for any rate. As a reference, at a 10% assumed annual return it grows to roughly ₹2.59 lakh; the Return Scenarios table below shows several rates side by side.
›Can I calculate how much I need to invest today to reach a target amount?
Yes — use the "How much should I invest today?" reverse calculator below: enter your target amount, period, and assumed return, and it works out the required lumpsum.
›Does this calculator include mutual fund tax?
No — the future value shown is before any applicable capital gains tax on redemption. Mutual fund taxation depends on fund category, holding period, and current tax rules, so use the Capital Gains Calculator to estimate tax separately.
What affects lumpsum?
- Initial investment amount
- A larger lumpsum grows to a proportionally larger future value at the same rate and period, since the future value scales linearly with the amount invested.
- Time period
- Longer holding periods let compounding work for more cycles — the effect is non-linear, so extending the period often matters more than a modest change in assumed return.
- Rate of return assumption
- Higher assumed returns produce a higher projected value, but for market-linked instruments the actual rate achieved is never known in advance and varies with market conditions.
- Compounding frequency
- This calculator compounds annually; other tools or products that compound more frequently (monthly, quarterly) at the same nominal rate will show a slightly different figure.
- Inflation
- A large future number can still buy less than expected if inflation is high — the inflation-adjusted section above converts the projection into today's purchasing power.
- Taxes
- The future value shown is before tax — actual take-home proceeds after redemption depend on applicable capital gains rules, which vary by holding period and instrument.