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Lumpsum Calculator

See how a one-time investment grows over the years.

₹1 Lakh
₹
%
years
Invested amount
₹1,00,000
₹1 Lakh
Estimated returns
₹2,10,585
₹2.11 Lakh
Total value
₹3,10,585
₹3.11 Lakh
Invested₹1,00,000 (32%)
Returns₹2,10,585 (68%)
Year-by-year breakdown
YearInvestedReturnsValue at year end
1₹1,00,000₹12,000₹1,12,000
2₹0₹13,440₹1,25,440
3₹0₹15,053₹1,40,493
4₹0₹16,859₹1,57,352
5₹0₹18,882₹1,76,234
6₹0₹21,148₹1,97,382
7₹0₹23,686₹2,21,068
8₹0₹26,528₹2,47,596
9₹0₹29,712₹2,77,308
10₹0₹33,277₹3,10,585

How to use

  1. 1Enter the amount you want to invest once.
  2. 2Enter the expected yearly return.
  3. 3Choose how many years you will stay invested.
  4. 4See the estimated returns and total value, with a year-by-year view.

Frequently asked questions

How is the lumpsum value calculated?

It uses compound growth: Future value = Amount × (1 + r)^years, where r is the expected yearly return as a decimal.

Lumpsum or SIP — which is better?

A lumpsum can earn more when markets rise steadily, while a SIP spreads your buying over time and reduces the risk of investing at a peak. Many people use both.

Are the returns guaranteed?

No. Market-linked returns vary. The result is an estimate based on the average rate you enter.

Can I enter part years?

Yes. You can enter periods like 2.5 years; the last part year is compounded proportionally.

Is tax included?

No. Taxes and fund expenses are not included, so your actual amount may be slightly lower.

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