A lumpsum calculator shows what a one-time investment could grow to at an expected yearly return.
Lumpsum Investment Calculator
See how a one-time investment could grow with yearly compounding.
- Amount invested
- ₹1,00,000₹1 lakh
- Estimated returns
- ₹2,10,585₹2.11 lakh
- Money multiplies by
- 3.11
Results are estimates for educational purposes only and are not financial, tax or legal advice. For more details, do consult a lawyer or a subject-matter expert.
Growth of your investment
View chart data as a table
| Year | Amount invested | Estimated value |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹1,76,234 |
| 6 | ₹1,00,000 | ₹1,97,382 |
| 7 | ₹1,00,000 | ₹2,21,068 |
| 8 | ₹1,00,000 | ₹2,47,596 |
| 9 | ₹1,00,000 | ₹2,77,308 |
| 10 | ₹1,00,000 | ₹3,10,585 |
Year-wise growth
| Year | Value | Returns so far |
|---|---|---|
| 1 | ₹1,12,000 | ₹12,000 |
| 2 | ₹1,25,440 | ₹25,440 |
| 3 | ₹1,40,493 | ₹40,493 |
| 4 | ₹1,57,352 | ₹57,352 |
| 5 | ₹1,76,234 | ₹76,234 |
| 6 | ₹1,97,382 | ₹97,382 |
| 7 | ₹2,21,068 | ₹1,21,068 |
| 8 | ₹2,47,596 | ₹1,47,596 |
| 9 | ₹2,77,308 | ₹1,77,308 |
| 10 | ₹3,10,585 | ₹2,10,585 |
Explain this result
A lump sum grows by compounding: each year's returns earn returns the next year. The formula is FV = P × (1 + r)t, with P = ₹1,00,000, r = 12.00% and t = 10 years.
That gives an estimated ₹3,10,585 – your money multiplies 3.11 times. Actual returns vary year to year; this assumes a steady average rate.
Frequently asked questions
Lumpsum or SIP – which is better?
A lump sum is invested fully from day one, so it has more time in the market. A SIP spreads the risk of investing at a market peak. This calculator only illustrates growth; it is not advice.
What is the Rule of 72?
Divide 72 by the yearly return to estimate how many years it takes to double your money. At 12% it takes about 6 years.
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Worked example
₹1 lakh invested once at 12% a year grows to about ₹3.11 lakh in 10 years – more than three times the money, thanks to compounding.
Formula
Future value = P × (1 + r)t, where P is the amount, r the yearly return and t the number of years.
Lumpsum or SIP?
- A lumpsum works well when you have a windfall (bonus, maturity, sale proceeds) and a long horizon.
- If you worry about investing at a market high, spread it over 6–12 months through a systematic transfer plan.
- Compare both with the SIP calculator.