Lumpsum Calculator
Future value of a one-time investment
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Enter your one-time amount, the return you expect, and the years.
Example₹1 lakh at 12% for 10 years → about ₹3.11 lakh
A one-time investment
Equity MF historically ~10–14%
Longer horizons compound harder
Estimated value after 10 years
₹3,10,585
Invested
₹1,00,000
Estimated returns
₹2,10,585
Growth over time
Popular lumpsum plans
A lumpsum investment compounds the full amount from the start, so it benefits most from a long horizon. The formula is FV = P × (1 + r)^years.
Compare it with a SIP of the same total to see how timing vs. averaging changes the outcome.
Uses the standard compound-interest formula FV = P × (1 + r)^t with annual compounding — the textbook time-value-of-money identity on which all investment growth math is built. Returns are illustrative, not guaranteed.
- Assumes one constant annual return; markets fluctuate year to year.
- Ignores expense ratio, exit load and capital-gains tax.
- What is a lumpsum investment?
- A single one-time investment, as opposed to a SIP where you invest a fixed amount every month. The whole amount compounds from day one.
- Lumpsum or SIP — which is better?
- Lumpsum works well when you have a large amount ready and markets are reasonably valued. SIP spreads risk over time (rupee-cost averaging). Many investors do both.
- What return should I assume?
- For Indian equity mutual funds, 10–14% per annum long-term is a reasonable assumption. Be conservative for shorter horizons.
- Does this account for inflation or tax?
- No — it shows nominal returns. Subtract ~5-6%/yr mentally for real value, and remember equity gains above ₹1.25 lakh/year are taxed at 12.5% (LTCG).
Related guides
- SIP vs Lumpsum — discipline or timing?What history says about systematic investing versus one-shot deployments — and the rule that resolves the debate.
- How much SIP do you need to reach ₹1 crore?The monthly SIP that grows to ₹1 crore — for 10, 15, 20 and 25 years — and why starting early does most of the work.
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