₹1,73,429 in today's money
At 6% inflation, ₹3,10,585 in 10 years buys what ₹1,73,429 buys today.
Purchasing power calculatorLumpsum Calculator
Project a one-time investment growing at a compounded rate.
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Lumpsum Calculator
Project a one-time investment growing at a compounded rate.
1 lakh · type 5k, 1.5L or 2cr
% p.a.
years
Projected value₹3,10,585
₹1,00,000 invested once could grow to ₹3,10,585 in 10 years: 3.1× what you put in.
- You invest₹1,00,000
- Growth₹2,10,585
- Money multiplied3.1×
Doubles about every 6.1 years
At 12% a year, compounded, each doubling builds on the last.
Waiting a year costs ₹33,277
Starting a year later and stopping at the same time ends at ₹2,77,308 instead of ₹3,10,585.
Year by year
How the lumpsum calculator works
A lumpsum investment is a single, one-time deposit of capital into a fund or asset. It is ideal for investing a windfall, inheritance, or bonus. This calculator assumes annual compound interest, showing you how a single lump sum grows over your chosen investment horizon without any additional monthly contributions.
How to Use: 1. Input the "Total investment" principal amount you wish to grow. 2. Specify your expected "Annual return rate". 3. Set the "Time period" in years. All calculations update dynamically as you drag the sliders.
Understanding the Results: The "Projected value" indicates your final maturity amount. The difference between this final value and your original principal represents the "Est. returns" (net interest growth). Use this tool to compare one-time investing gains against systematic monthly plans.
The formula
FV = P × (1 + r)^t
- P: the amount invested once
- r: the annual return as a decimal
- t: the number of years
Growth is compounded once a year.
A worked example
Investing ₹1,00,000 once for 10 years at 12% a year grows to about ₹3,10,585: ₹2,10,585 of growth on what you put in.
Questions people ask
How is the future value of a lumpsum calculated?
The amount grows once a year at the annual rate for the number of years you choose: future value = amount × (1 + rate)^years. The difference between that and what you put in is the estimated return.
Is the projected lumpsum value guaranteed?
No. It assumes the same return every year. Market-linked investments rise and fall, so use the result to compare scenarios, not as a promise.
When does a lumpsum make more sense than a SIP?
When the money is already in hand, for example a bonus or a maturing deposit, and you can stay invested through falls. If the money arrives monthly, a SIP is the natural fit.
Related calculators
- SIP Calculator: Free SIP calculator: see how a monthly mutual-fund SIP compounds over time, total invested vs. projected value, and plan your SIP in seconds.
- Compound Interest Calculator: Calculate compound interest on an initial amount plus monthly contributions. See year-by-year growth and total interest earned, free.
- FD Calculator: Calculate fixed deposit maturity value and interest earned with quarterly compounding. Compare FD tenures and rates in seconds.
Further reading
Estimates are for illustration only and assume constant returns. Actual returns vary with market conditions. This is not investment advice.