Career & Money

Lumpsum Investment Calculator

See what one amount invested today could grow to at a steady yearly return, and how much of the end value is growth.

By Aditya Kr Sharma Formula checked

  • Free
  • Instant
  • No sign-up

How to use this calculator

  1. Pick what to find Choose a mode, or start with the first box.
  2. Enter your numbers Type your values into the boxes.
  3. Read the result See the answer and the working, then copy or share it.

Lumpsum calculator

An assumption, not a promise. Market returns vary year to year.

Enter an amount, an expected return and years, then press Calculate.

How to use the lumpsum calculator

  1. Enter the amount you invest once.
  2. Enter the return you expect a year.
  3. Enter the number of years.
  4. Press Calculate to see the value and the growth each year.

Lumpsum and SIP

A lumpsum is invested all at once, so all of it compounds for the whole period. A SIP is invested month by month. With the same total and the same steady return, the lumpsum ends higher; in a falling market, spreading the purchases out can work in your favour.

Frequently asked questions

How is a lumpsum return calculated?

With compound growth once a year: future value = amount × (1 + rate ÷ 100)^years.

What does ₹1 lakh become in 10 years at 12%?

About ₹3,10,585, if the 12% return happened every year.

How long does it take money to double?

Roughly 72 ÷ the yearly return: about 6 years at 12%, about 9 years at 8%.

About these results

Returns from market-linked investments are not guaranteed. The result assumes the same return every year.

Tax, fund expenses and exit loads are not included.

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