Lumpsum Calculator

See how a one-time investment can grow over time with the power of compounding.

Your investment details

Investment amount: ₹2,00,000

Expected return rate: 8% p.a.

Time period: 10 years

Your projected returns

Total value

8% p.a.

₹4.32 Lakhs

₹4,31,785

after 10 years

Invested amount

₹2 Lakhs

₹2,00,000

Estimated returns

₹2.32 Lakhs

₹2,31,785

+116% gain

54%is returns

Invested₹2.0L

Returns₹2.3L

Growth over time

Year-by-year growth

Year	Invested	Returns	Total value
1	₹2,00,000	₹16,000	₹2,16,000
2	₹2,00,000	₹33,280	₹2,33,280
3	₹2,00,000	₹51,942	₹2,51,942
4	₹2,00,000	₹72,098	₹2,72,098
5	₹2,00,000	₹93,866	₹2,93,866
6	₹2,00,000	₹1,17,375	₹3,17,375
7	₹2,00,000	₹1,42,765	₹3,42,765
8	₹2,00,000	₹1,70,186	₹3,70,186
9	₹2,00,000	₹1,99,801	₹3,99,801
10	₹2,00,000	₹2,31,785	₹4,31,785

Frequently asked questions

A lumpsum investment is a one-time investment of a fixed amount in a mutual fund, rather than spreading it out over time. For example, investing ₹1,00,000 as a lumpsum at 12% expected annual returns for 10 years could grow to roughly ₹3,10,585, of which ₹2,10,585 is estimated returns.

No. Lumpsum investments go into mutual funds, so returns depend on market performance and are not guaranteed. The expected return rate here is just an assumption you can adjust to see different scenarios.

We use the standard lumpsum future-value formula: A = P x (1 + r/100)^n, where P is your invested amount, r is the expected annual rate of return, and n is the number of years invested. Your money compounds once a year for the chosen time period.

It depends on whether you already have the money or are earning it over time. A lumpsum invests everything immediately, so it benefits the most from compounding when markets rise, but it also carries more timing risk if you invest right before a downturn. A SIP spreads your investment across market ups and downs. If you have a windfall (like a bonus) and a long time horizon, a lumpsum often works well; if you're investing from your salary, a SIP is usually more practical.

Yes, most mutual funds let you make additional purchases at any time. If you plan to invest a large amount now and add smaller amounts regularly afterwards, you can use this calculator for the initial lumpsum and the SIP calculator to model the recurring additions separately.

Popular Lumpsum calculations

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This calculator assumes a constant 8% annual return, compounded annually, on your one-time investment of ₹2,00,000 over 10 years. Actual market-linked returns fluctuate and are never guaranteed. Use this as a planning estimate, not a promise.

Lumpsum Calculator

See how a one-time investment can grow over time with the power of compounding.

Your investment details

Investment amount: ₹2,00,000

Expected return rate: 8% p.a.

Time period: 10 years

Your projected returns

Total value

8% p.a.

₹4.32 Lakhs

₹4,31,785

after 10 years

Invested amount

₹2 Lakhs

₹2,00,000

Estimated returns

₹2.32 Lakhs

₹2,31,785

+116% gain

54%is returns

Invested₹2.0L

Returns₹2.3L

Growth over time

Year-by-year growth

Year	Invested	Returns	Total value
1	₹2,00,000	₹16,000	₹2,16,000
2	₹2,00,000	₹33,280	₹2,33,280
3	₹2,00,000	₹51,942	₹2,51,942
4	₹2,00,000	₹72,098	₹2,72,098
5	₹2,00,000	₹93,866	₹2,93,866
6	₹2,00,000	₹1,17,375	₹3,17,375
7	₹2,00,000	₹1,42,765	₹3,42,765
8	₹2,00,000	₹1,70,186	₹3,70,186
9	₹2,00,000	₹1,99,801	₹3,99,801
10	₹2,00,000	₹2,31,785	₹4,31,785

Frequently asked questions

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Lumpsum Calculator

Frequently asked questions

What is a lumpsum investment?

Are lumpsum returns guaranteed?

How is the maturity value calculated?

Lumpsum vs SIP: which is better?

Can I add more money to a lumpsum investment later?

Lumpsum Calculator

Frequently asked questions

What is a lumpsum investment?

Are lumpsum returns guaranteed?

How is the maturity value calculated?

Lumpsum vs SIP: which is better?

Can I add more money to a lumpsum investment later?