Lump Sum Calculator

Invest one amount today, leave it alone, and see what it could become. Enter the amount, the years and the return you expect — the result, chart and yearly table update as you type.

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How to use this calculator

  1. Enter investment amount — The single amount you invest today.
  2. Enter investment period
  3. Enter expected annual return — An assumption. Equity is often modelled at 10–12%.
  4. Read the result — it updates as you type.

The formula used

FV = P × (1 + r)t

FV
Value at the end
P
Amount invested today
r
Annual return as a decimal (12% = 0.12)
t
Number of years

This calculator compounds once a year, which is the normal convention for quoting investment returns. If you need quarterly or monthly compounding — as banks use for deposits — the Compound Interest Calculator lets you choose the frequency.

Worked example

You invest ₹1,00,000 once and leave it for 10 years at 12% a year.

  • Amount (P)₹1,00,000
  • Rate (r)0.12
  • Years (t)10
  1. (1 + 0.12)10 = 3.10585
  2. ₹1,00,000 × 3.10585 = ₹3,10,585

Your ₹1,00,000 becomes about ₹3,10,585 — a profit of ₹2,10,585, or 210% growth.

Lump sum investing, explained simply

A lump sum investment is the simplest thing in finance: you put money in once and leave it. Everything after that is compounding — the profit you earn starts earning profit of its own.

Why the last few years matter most

At 12%, ₹1,00,000 grows by ₹12,000 in year one. By year ten it grows by about ₹33,000 in that single year. The money you never touched is doing progressively more work, which is why staying invested matters more than picking the perfect entry point.

Lump sum or SIP?

If you already have the money, a lump sum usually ends up ahead when markets rise, because all of it compounds for the full period. The risk is timing: a market fall right after you invest hurts far more. Compare both with the SIP vs Lump Sum Calculator.

What this calculator ignores

  • Volatility. Real returns are not a straight line.
  • Tax. The value shown is before tax.
  • Inflation. ₹3,10,585 in ten years buys less than it does today — check with the Inflation Calculator.

Tips and common mistakes

Getting more out of it

  • Compare the result against the same money in a fixed deposit before deciding the extra risk is worth it.
  • If the amount is large and you are nervous about timing, model splitting it over a few months with the SIP vs Lump Sum Calculator.

Mistakes to avoid

  • Assuming a smooth line. Real markets deliver this average through a series of good and bad years, and the order they arrive in matters if you might need the money early.
  • Ignoring the exit tax. The figure shown is before any capital gains tax on withdrawal.
  • Using an equity-level return for money you need within three years — a short horizon rarely gets the average.

Frequently asked questions

Is a lump sum better than a SIP?

Mathematically a lump sum wins more often, because the whole amount compounds for longer. Emotionally a SIP is easier, because you are never left thinking "I invested everything the day before the crash". If the money is already in your bank account, many people split the difference and invest it over a few months.

What return should I assume?

Use a range rather than a single number. Try 8%, 10% and 12% and treat the spread as your realistic outcome, not the highest figure.

Does this include tax?

No. Equity gains held over a year are taxed differently from debt gains. Use the Capital Gains Calculator once you know your holding period.

Can I add money later?

Not in this calculator. If you plan to add a fixed amount every month on top of the initial sum, use the Investment Return Calculator.

Why is my mutual fund statement different?

Because funds do not grow at a fixed rate. This calculator shows the smooth path that a constant return would produce; your statement shows what actually happened.

SIP Calculator

See what a monthly SIP could grow into over time.

Investment Compound Interest Calculator

Compound interest with yearly, quarterly or monthly compounding.

Investment CAGR Calculator

Compound Annual Growth Rate between a start and end value.

Investment SIP vs Lump Sum Calculator

Compare investing monthly against investing all at once.

Investment Inflation Calculator

What today’s money will be worth after inflation.

Tax & Inflation FD Calculator

Maturity value of a fixed deposit with compounding.

Fixed Income
Disclaimer: These calculators are for educational and informational purposes only. Results are estimates based on the inputs provided and should not be considered financial, investment, tax, or legal advice.