Lumpsum Calculator
Project how a one-time investment could grow at an assumed annual return, and compare it with investing the same amount through a SIP.
Estimated Value
₹15,52,924
≈ ₹15.53 Lakh · illustration at 12% p.a.
Amount invested
₹5,00,000
Estimated gains
₹10,52,924
Growth multiple
3.11×
Same amount via SIP (₹4,167/mo)
₹9,68,079
- Invested
- Est. Gains
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Tools that naturally follow this calculation.
Growth over time
- Est. Gains
- Invested
Year-by-year value
| Year | Est. Gains | Value |
|---|---|---|
| 1 | ₹60,000 | ₹5,60,000 |
| 2 | ₹1,27,200 | ₹6,27,200 |
| 3 | ₹2,02,464 | ₹7,02,464 |
| 4 | ₹2,86,760 | ₹7,86,760 |
| 5 | ₹3,81,171 | ₹8,81,171 |
| 6 | ₹4,86,911 | ₹9,86,911 |
| 7 | ₹6,05,341 | ₹11,05,341 |
| 8 | ₹7,37,982 | ₹12,37,982 |
| 9 | ₹8,86,539 | ₹13,86,539 |
| 10 | ₹10,52,924 | ₹15,52,924 |
Example calculation
Investing ₹5,00,000 once and leaving it for 10 years at an assumed 12% annual return gives an estimated ₹15,52,924 — about 3.11 times the original amount. Spreading the same ₹5,00,000 as a monthly SIP over the same period would illustrate at ₹9,68,079, because later instalments have less time to compound.
How to use this calculator
- Investment amount — the one-time sum, e.g. a ₹5 lakh bonus or a maturing FD.
- Expected annual return — an assumed compound rate; for market-linked products it is a scenario, not a forecast.
- Investment period — years the money stays invested untouched.
The estimated value, gains and growth multiple update instantly; the chart and table show the balance at the end of each year.
What changes the result most
For a lump sum, time and rate compound together: ₹5 lakh at 10% becomes about ₹12.97 lakh in 10 years but ₹33.6 lakh in 20 — the second decade adds more than twice the first. A 2-point change in the rate (10% → 12%) over 20 years moves the result from ₹33.6 lakh to ₹48.2 lakh, which is why small differences in long-run return assumptions produce very different projections. Entry timing matters in the short run and fades over longer periods; see SIP vs lumpsum.
A common mistake: investing a windfall all at once in a short-horizon goal
A lump sum needed in two or three years is fully exposed to a market fall with little time to recover. The projection here assumes a smooth constant rate; real one-year outcomes for equity funds have ranged from steep losses to large gains. For near-term money many investors prefer fixed-return products — compare with the FD calculator — or stagger the investment over several months as a SIP. To measure what a past lump sum actually returned, use the CAGR calculator.
What is a lumpsum investment?
A lumpsum investment puts a single amount to work at once, rather than spreading it over time. The whole amount is exposed to market movement from day one, which can help in a rising market and hurt if prices fall soon after investing.
Lumpsum formula
The projected value uses annual compounding:
A = P × (1 + r)t
where P is the amount invested, r is the assumed annual return (as a decimal), and t is the number of years.
Lumpsum vs SIP
With a lumpsum, all your money compounds for the full period. With a SIP, later instalments have less time to grow, so for the same total amount and a steadily rising market a lumpsum ends higher — but a SIP reduces the risk of investing everything at a market peak. Read our SIP vs lumpsum guide for the trade-offs.
Assumptions & what this calculator does not include
- •Assumes a constant annual return compounded once a year.
- •Expense ratios, exit loads, and taxes are not modelled.
- •Actual market returns vary year to year; this is an illustration only.
Frequently asked questions
Methodology last reviewed: 16 October 2026
How we maintain this page: the formula is covered by automated tests, default rates that depend on government notification are re-checked when a revision is announced, and the content and links are re-read when a reader reports an issue or the page is edited. See our Calculator Methodology and Corrections Policy.