Lumpsum Calculator
Future value of a one-time investment, with gains and inflation-adjusted value
| Year | Value | Gains | In today's money |
|---|---|---|---|
| 1 | ₹1,12,000 | ₹12,000 | ₹1,05,660 |
| 2 | ₹1,25,440 | ₹25,440 | ₹1,11,641 |
| 3 | ₹1,40,493 | ₹40,493 | ₹1,17,960 |
| 4 | ₹1,57,352 | ₹57,352 | ₹1,24,637 |
| 5 | ₹1,76,234 | ₹76,234 | ₹1,31,692 |
| 6 | ₹1,97,382 | ₹97,382 | ₹1,39,147 |
| 7 | ₹2,21,068 | ₹1,21,068 | ₹1,47,023 |
| 8 | ₹2,47,596 | ₹1,47,596 | ₹1,55,345 |
| 9 | ₹2,77,308 | ₹1,77,308 | ₹1,64,138 |
| 10 | ₹3,10,585 | ₹2,10,585 | ₹1,73,429 |
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Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use
How to Use
- Enter the One-time investment amount.
- Enter the Expected return per year and the Investment period in years.
- Enter an Inflation rate to see what the future value is worth in today's money. Put 0 if you don't want this.
- Results update as you type. You'll see the future value, your gains, the value in today's money and how many times your money multiplies, plus a year-wise chart and table.
What is a lumpsum investment?
A lumpsum investment is money you put in all at once instead of spreading it over months like a SIP. It might be a bonus, an inheritance, money from selling a plot or a maturing FD. That money then compounds for the whole period, which means each year's returns earn returns of their own. This lumpsum calculator shows how a one-time investment could grow, and what the final amount is really worth after inflation.
The formula
Value in today's money = future value ÷ (1 + i)n
Real return ≈ (1 + r) ÷ (1 + i) − 1
P is the amount invested, r the expected yearly return, n the number of years and i the inflation rate. Returns compound once a year, which is how mutual fund returns (CAGR) are usually quoted.
Worked example
You invest ₹1,00,000 once and expect 12% a year for 10 years:
- Future value = 1,00,000 × 1.1210 = ₹3,10,585. That's a gain of ₹2,10,585, and your money has grown 3.11×.
- With 6% inflation, that amount buys what ₹1,73,429 buys today. Your real return is about 5.66% a year.
How ₹1 lakh grows at different returns
| Return per year | 5 years | 10 years | 20 years |
|---|---|---|---|
| 7% | ₹1,40,255 | ₹1,96,715 | ₹3,86,968 |
| 10% | ₹1,61,051 | ₹2,59,374 | ₹6,72,750 |
| 12% | ₹1,76,234 | ₹3,10,585 | ₹9,64,629 |
| 15% | ₹2,01,136 | ₹4,04,556 | ₹16,36,654 |
Two things stand out. Time matters most: at 12%, staying in for 20 years instead of 10 triples the result. And small differences in return add up. Over 20 years, 15% gives nearly two and a half times what 10% does.
The rule of 72
Here's a quick mental check. Divide 72 by the yearly return to estimate how many years it takes to double your money. At 8% that's about 9 years; at 12%, about 6. The calculator shows the exact doubling time for your rate.
Lumpsum or SIP?
- A lumpsum spends more time in the market, so it tends to earn more if markets rise steadily. The risk is that you buy everything at a high point.
- A SIP averages your purchase price over time and suits a monthly salary.
- If you have a large amount for equity funds and worry about timing, there's a common middle path. Park it in a liquid or debt fund and move it into equity in instalments over a few months. This is called a Systematic Transfer Plan (STP).
Keep in mind
- Market-linked returns change from year to year and aren't guaranteed. The calculator assumes the same return every year.
- Tax on gains isn't deducted. That means capital gains tax on mutual funds, or tax at your slab rate on FD interest. What you keep after tax will be lower.
- For fixed deposits that compound quarterly, use our FD calculator to get the exact bank figures.