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Your one-time investment

Enter a single amount you invest today — the full sum compounds from day one.

Typical one-time deployments: bonus, inheritance, or idle savings.

Assumption only — e.g. long-term equity often modelled at 10–15%, debt at 6–8%.

More frequent compounding raises the effective yield at the same nominal rate.

Display options

Currency, inflation and a savings-account benchmark.

Edit the FX rate — conversion is indicative only.

Adjust for inflation (real value in today's money)
Compare vs savings account (4% p.a.)
Projected value after 10 years
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at 12.0% p.a., compounded annually
Invested
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Est. gains
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Growth multiple
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In savings @4%
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Invested vs gains

How much of the final sum is your money vs compounding.

Invested — Gains —

Growth curve

Year-end value vs your original investment.

Scenario comparison

Same amount and horizon at three return assumptions — small rate differences compound enormously.

Year-by-year schedule

YearEnd valueGain that yearTotal gains

Estimates only — not financial advice. Excludes taxes, exit loads and fees. Past performance never guarantees future results.

How the lumpsum calculation works

A lumpsum calculator projects one amount invested once, today — the entire sum compounds from day one, which is why time matters more than timing. The standard formula is:

FV = P × (1 + r/n)n×t

Where P = one-time investment, r = expected annual return (as a decimal), n = compounding periods per year, t = years invested. Estimated gains = FV − P.

Worked example 1 — the classic ₹1 lakh case. Invest ₹1,00,000 once at 12% p.a. compounded annually for 10 years: FV = 1,00,000 × 1.1210 = ₹3,10,584.82. Estimated gains = ₹2,10,584.82 — compounding contributes more than double your original investment.
Worked example 2 — compounding frequency matters. The same ₹1,00,000 at 12% for 10 years compounded monthly grows to ₹3,30,038.69 — that's ₹19,453.87 extra versus annual compounding, from the same nominal rate.
Worked example 3 — goal planning in reverse. Need ₹10,00,000 in 10 years at 12% p.a.? You must invest ₹3,21,973.24 today (solver A above does this instantly).
Worked example 4 — the 30-year effect. ₹1,00,000 at 12% p.a. for 30 years becomes ₹29,95,992.21 — nearly 30× your money, with ₹28,95,992.21 from compounding alone. Time is the real multiplier.

Lumpsum vs SIP — which question are you answering?

A lumpsum calculator answers: "I have ₹X today — what could it become?" An SIP calculator answers: "I can invest ₹X every month — what could that become?" Different cash-flow, different math. Use lumpsum for windfalls (bonus, inheritance, sale proceeds, idle savings); use SIP-style math for salary-based monthly investing.

Frequently asked questions

Straight answers with real calculated numbers — every figure below comes from the engine on this page.

What is a lumpsum calculator?
It estimates the future value of a one-time investment made today. You enter the amount, an expected annual return and the number of years; it applies compounding to show the projected value, e.g. ₹1,00,000 at 12% p.a. for 10 years → ₹3,10,584.82.
What is the lumpsum formula?
FV = P × (1 + r/n)^(n×t) — P is your one-time investment, r the annual return as a decimal, n compounding periods per year, t years. With annual compounding (n=1) it simplifies to FV = P × (1 + r)^t.
Does monthly compounding really make a difference?
Yes. ₹1,00,000 at 12% p.a. for 10 years: annual compounding → ₹3,10,584.82; monthly compounding → ₹3,30,038.69. The difference of ₹19,453.87 comes purely from compounding frequency — the nominal rate is identical.
How much should I invest today to reach ₹10 lakh in 10 years?
At 12% p.a. compounded annually, invest ₹3,21,973.24 today. Try solver A above with your own target, return and horizon.
What return do I need to triple ₹5 lakh in 10 years?
To grow ₹5,00,000 to ₹15,52,924 in 10 years you need 12.00% p.a. compounded annually. Solver B computes this for any start/target pair.
How does inflation change the picture?
Nominal ₹3,10,584.82 after 10 years at 6% annual inflation is worth only ₹1,73,428.94 in today's purchasing power. Enable "Adjust for inflation" to see the real value of any projection.
Lumpsum vs SIP — which grows more?
They answer different questions. Lumpsum: one amount invested today compounds for the full period (₹1,00,000 at 12% × 10 yrs → ₹3,10,584.82). SIP spreads the same total across monthly instalments, so early instalments compound longest. Neither is universally better — it depends on whether you hold the cash today.
Is the projected return guaranteed?
No. The return is an assumption for planning, not a promise. Market-linked investments fluctuate; actual outcomes can be higher or lower. Use the scenario comparison (8% / 12% / 15%) to see how sensitive results are to the assumption.
What return should I assume for India?
Common planning assumptions: long-term diversified equity 10–12%, hybrid/balanced 8–10%, debt/FD-like 6–7%. These are rough anchors, not recommendations — pick a conservative number and stress-test with the scenarios.
Are taxes included in the projection?
No. Projections are pre-tax and exclude exit loads and fund expenses. In India, equity gains may face capital-gains tax (rules change — check current slabs), which reduces the final in-hand amount.
What is this in US dollars?
Toggle currency to USD. At ₹88 per dollar, the ₹3,10,584.82 projection equals $3,529.37. The FX rate is editable and indicative only.
Why does the 30-year number look so large?
Compounding is exponential, not linear. ₹1,00,000 at 12% p.a.: 10 years → ₹3,10,584.82; 30 years → ₹29,95,992.21. The extra 20 years add ~₹26.85 lakh — more than 8× the first decade's growth. Starting early beats investing more later.
How does this compare to a savings account?
₹1,00,000 at 4% p.a. for 10 years → ₹1,48,024.43 — less than half the 12% projection (₹3,10,584.82). The gap of ~₹1.63 lakh is the opportunity cost of leaving long-term money idle.
What does "growth multiple" mean?
Final value ÷ invested amount. A multiple of 3.11× means every rupee became ₹3.11. For the ₹1 lakh / 12% / 10-year case the multiple is 3.11×.
Can I use this for a child's education or retirement goal?
Yes — that's what solver A is for. Set the target corpus and horizon, and it tells you the one-time investment needed today. For goals funded monthly instead of one-time, an SIP-style calculation fits better.
Is my data sent anywhere?
No. This calculator runs 100% in your browser — no accounts, no cookies for the math, no data leaves your device.

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