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Lumpsum Investment Calculator

Estimate what a single one-time investment could grow to over a chosen number of years.

Quick presets

Lumpsum Calculator

₹
% p.a.
years
% p.a.
Value at the end
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Invested – · gains –
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In today's money
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In words
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Growth vs inflation
Same money, other homes rates as of Oct 2026

Savings account 2.5% (SBI), 2–3 year FD 6.45% (SBI), PPF 7.1% (Oct–Dec 2026, tax-free) and a long-run equity assumption of 12%. Tap a card to use its rate.

Educational estimate, not financial or tax advice. Returns are never guaranteed. Everything is calculated in your browser.

Runs in your browser — nothing you enter is uploaded or stored.

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About the Lumpsum Calculator

A lumpsum investment is a single, one-time deposit into a mutual fund or other instrument, as opposed to spreading it out through a monthly SIP. It suits situations where you already have a large sum — a bonus, maturity proceeds or a windfall — that you want to put to work at once.

The calculator uses annual compounding: FV = P × (1 + r/100)^years, where P is the amount invested, r is the expected annual return and the exponent is the number of years. It reports how much you put in, the estimated returns, and the final maturity value.

These figures are estimates. Real returns on market-linked products vary and are never guaranteed, and this projection ignores expense ratios and taxes. All maths runs privately in your browser.

Examples

₹1,00,000 at 12% for 10 years → maturity ≈ ₹3.1 lakh.
₹5,00,000 at 10% for 15 years → maturity ≈ ₹20.9 lakh.
Compare a lumpsum against spreading the same money as a SIP to see which suits your risk comfort.

Frequently asked questions

5 answers
Lumpsum or SIP — which is better?
Neither is universally better. A lumpsum captures more time in the market if invested early, while a SIP averages your entry price and suits regular savers. This tool estimates the lumpsum route.
What compounding does it use?
Annual compounding, which is the standard convention for projecting mutual fund growth on a one-time investment.
Are returns guaranteed?
No. Market-linked investments can rise or fall. The rate you enter is only an assumption for the projection.
Does it deduct tax?
No. The result is a gross estimate. Capital gains tax and fund expenses will reduce your actual in-hand amount.
Can I use it for FDs?
You can, but FDs usually compound quarterly. Use the dedicated FD calculator for exact fixed-deposit maturity figures.