HomeSavings & investing
Lumpsum calculator
What a one-time investment grows to over the years.
Quick answer
Enter the amount, the yearly return and the years. ₹1,00,000 at 12% for 10 years becomes about ₹3,10,585.
Read the guide: SIP vs lumpsum: which suits you, with numbers
Maturity value
₹3,10,585
- Amount invested
- ₹1,00,000
- Gain
- ₹2,10,585
Returns are not guaranteed. Real investments go up and down, so treat this as an illustration of the maths.
- Invested
- Gain
Year-by-year table
| Year | Invested so far | Gain so far | Balance |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹25,440 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹40,493 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹57,352 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹76,234 | ₹1,76,234 |
| 6 | ₹1,00,000 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,00,000 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,00,000 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,00,000 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹1,00,000 | ₹2,10,585 | ₹3,10,585 |
How it works
A lumpsum goes in once and then compounds: each year’s gain earns its own gain the year after.
Doubling the time does much more than double the gain, which is why starting early matters.
Compare with a SIP of the same total to see how spreading the money out changes the answer.
The formula
- Future value = P × (1 + r)^t
- P = amount invested, r = yearly return ÷ 100, t = years
A worked example
₹1,00,000 at 12% for 10 years: 1,00,000 × 1.12^10 = ₹3,10,585. The gain is ₹2,10,585.
Common questions
What is the rule of 72?
Divide 72 by the yearly return to estimate the years needed to double your money. At 12% it is about 6 years.
Does the return compound every year?
Yes, the calculator compounds once a year.
Is a lumpsum riskier than a SIP?
Putting everything in at once exposes you to the market level on that one day. A SIP averages the entry price over time.
Are taxes included?
No. Tax on gains depends on the asset and holding period, and it reduces the final amount.