Lumpsum Calculator
See how a single one-time investment grows over the years — and how much of the final value is pure gains.
How to use this calculator
Pick your currency, then enter the one-time amount you plan to invest, the annual return you expect, and how many years you will stay invested. The future value, the amount you put in, and your estimated gains update instantly as you move the sliders. Use it to compare scenarios — a longer horizon or a slightly higher return can change the outcome dramatically.
How this is calculated
A lumpsum grows by compounding once a year on the whole balance. The formula is Future value = Amount × (1 + r)years, where r is your annual return as a decimal. Your invested figure is simply the amount you put in, and your estimated gains are the future value minus that amount. We assume a constant annual return for simplicity — real markets rise and fall, so treat the result as a long-run estimate rather than a promise.
Educational estimate, not investment advice — see our disclaimer.
A worked example
Suppose you invest ₹1,00,000 once and leave it untouched for 10 years at a 12% annual return. Plugging into the formula: 1,00,000 × (1.12)10 ≈ ₹3,10,585. You put in ₹1,00,000 and the remaining ₹2,10,585 is gains — more than double your original money came from compounding alone. Stretch the horizon to 20 years and the same ₹1,00,000 grows to roughly ₹9,64,629, showing how time multiplies a lumpsum.
Lumpsum vs SIP
A lumpsum invests your whole amount at once, so every rupee compounds from day one. A Systematic Investment Plan (SIP) spreads smaller amounts across many months, which smooths out market timing but gives later instalments less time to grow. If you already have a sum ready and a long horizon, a lumpsum can work harder; if you are investing from monthly income, an SIP fits better. Compare the other side with our SIP calculator.
Things to keep in mind
- Returns are not guaranteed — the rate you enter is an assumption, not a fixed payout.
- Time is the biggest lever — each extra year adds a full compounding period on the whole balance.
- Taxes and expense ratios quietly reduce real returns, so consider figures net of costs.
- Inflation erodes purchasing power, so a future value is worth less in today's terms.