Investments
Lumpsum Calculator
Project how a one-time investment could grow. Move the sliders or type exact numbers — results update instantly.
Formula checked by Naman, Fistotex founderLast updated Free · No sign-up · Runs in your browser
Your inputs
Final value
₹15,52,924
≈ ₹15.53 Lakh
Amount invested32%
Estimated returns68%
- Amount invested
- ₹5,00,000
- Estimated returns
- ₹10,52,924
Growth over time
Figures are estimates based on the inputs and assumptions shown. Actual outcomes will differ. This is not financial advice.
Guide
Lumpsum Calculator: what it does and when to use it
A lumpsum calculator projects how a single, one-time investment grows at a constant annual rate of return. It is useful when you invest a bonus, an inheritance or the proceeds of a matured deposit all at once.
Compare the result with the SIP calculator to decide whether to invest the amount immediately or stagger it over several months.
How to use it: set each input with the slider or type an exact figure. Results, the chart and the shareable link update instantly.
- One-time investment
- ₹5,00,000
- Expected annual return
- 12%
- Duration
- 10 years
- Amount invested
- ₹5,00,000
- Estimated returns
- ₹10,52,924
- Final value
- ₹15,52,924
Method
How this calculation works
The exact formula and assumptions behind the numbers above.
Formula
FV = P × (1 + r)ⁿ
P = amount invested, r = annual return ÷ 100, n = years.
Assumptions
- Compounding applies to the whole balance every year.
- Time is the dominant factor — doubling the duration more than doubles the growth.
Questions
Frequently asked questions
Lumpsum or SIP?
Lumpsum invests everything at once and is fully exposed to the market from day one. SIP spreads entry over time. Many investors use both.
Does this include tax?
No. Tax depends on the instrument and your holding period. Reduce the final value by your applicable rate to estimate the post-tax figure.
How is lumpsum return calculated?
Future value = P × (1 + r)ⁿ, where P is the amount invested, r is the annual return and n is the number of years.
Is lumpsum better than SIP?
Neither is always better. A lumpsum has more time in the market, while a SIP reduces the risk of investing everything just before a fall. Your cash flow and risk tolerance matter more than the formula.
Disclaimer
This calculator is an educational tool. It provides estimates based on the inputs and assumptions shown, and does not constitute personalised financial, investment or tax advice. Actual returns, interest, taxes and fees will vary. Please consult a qualified professional before making financial decisions.