Lumpsum Calculator
Estimate the future value of a one-time mutual fund investment.
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Lumpsum Calculator
Use the formula and worked example below to calculate manually.
Overview
A lumpsum calculator estimates the future value of a one-time investment over a chosen period at an assumed annual rate of return. Enter your investment amount, expected return, and time horizon to see how your money could grow.
How to use this calculator
- Enter the one-time investment amount.
- Set the expected annual rate of return.
- Set the investment duration in years.
- The calculator shows the projected maturity value, total invested, and estimated returns instantly.
Understanding the inputs & results
One-time investment
The principal amount you invest in one go at the start of the period.
Expected return (p.a.)
The assumed annual rate of return, before tax and expenses. This is a planning estimate, not a guarantee.
Time period
How many years you remain invested. Longer durations amplify compounding.
Maturity value
The estimated total value of your investment at the end of the chosen period.
Estimated returns
The gain earned over your invested principal: maturity value minus principal.
The formula
Compound interest (annual)
FV = P × (1 + r)^n
P is the principal (lumpsum invested), r is the annual rate of return divided by 100, and n is the number of years. The result FV is the maturity value.
Worked example
₹1,00,000 invested for 10 years at 12% annual return.
- r = 12 / 100 = 0.12; n = 10.
- FV = 1,00,000 × (1.12)^10 = 1,00,000 × 3.1058 ≈ ₹3,10,585.
- Estimated returns = ₹3,10,585 − ₹1,00,000 = ₹2,10,585.
✓ Your ₹1 lakh grows to approximately ₹3.11 lakh in 10 years at 12% p.a.
Frequently asked questions
Tips & things to know
- Invest lumpsum amounts during market corrections for potentially higher returns.
- Combine a lumpsum with ongoing SIPs for a balanced investment approach.
This calculator is for educational and planning purposes only. It does not constitute investment advice. Consult a SEBI-registered financial advisor before investing.