Investment Calculator
Lumpsum Calculator
Put money to work once, let time do the rest. Estimate the future value of a one-time investment at any return rate.
What is Lumpsum?
A lumpsum calculator projects the future value of a one-time investment compounded at an assumed return rate.
Formula
FV = P × (1 + r)t
where P = principal, r = annual rate, t = years.
where P = principal, r = annual rate, t = years.
Worked example
₹
₹1,00,000 invested once at 12% for 10 years becomes ~₹3,10,585, more than 3× without you adding another rupee.
Frequently asked questions
Lumpsum or SIP, which is better?
Depends on market timing. Lumpsum beats SIP in a bull run; SIP wins if markets are volatile or declining. For most investors, SIP is safer behaviourally.
What return should I assume for equity lumpsum?
10–12% p.a. is a conservative long-term estimate for diversified Indian equity funds.
Can I do lumpsum in a tax-saver fund?
Yes, ELSS funds accept lumpsum. The ₹1.5 lakh 80C deduction (old regime) applies.