Lumpsum Calculator
Sometimes the money arrives all at once — a bonus, a maturity, the sale of something. This calculator compounds a single amount forward at the annual rate you choose, so you can see the effect of leaving it invested rather than spending it.
Free to use · no sign-upEverything is worked out in your browserBuilt by Naveen Kumar Pandey, ARN-276664
Your numbers
Change anything below — the result updates as you type. Nothing you enter leaves your browser.
Compounded once a year. This is an assumption you have chosen, not a return we offer.
Value after 10 years
₹15,52,924
₹15.53 L
- You invest
- ₹5,00,000
- Estimated growth
- ₹10,52,924
- Amount invested₹5,00,000 · 32%
- Estimated growth₹10,52,924 · 68%
Year-by-year figures
| Year | Growth so far | Value |
|---|---|---|
| 1 | ₹60,000 | ₹5,60,000 |
| 2 | ₹1,27,200 | ₹6,27,200 |
| 3 | ₹2,02,464 | ₹7,02,464 |
| 4 | ₹2,86,760 | ₹7,86,760 |
| 5 | ₹3,81,171 | ₹8,81,171 |
| 6 | ₹4,86,911 | ₹9,86,911 |
| 7 | ₹6,05,341 | ₹11,05,341 |
| 8 | ₹7,37,982 | ₹12,37,982 |
| 9 | ₹8,86,539 | ₹13,86,539 |
| 10 | ₹10,52,924 | ₹15,52,924 |
What this calculator assumes
- The full amount is invested on day one and nothing is added or withdrawn afterwards.
- Growth is compounded once a year at the rate you enter.
- No expense ratio, exit load or capital gains tax is deducted.
Please read this
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. The rate you enter here is an assumption you have chosen, not a return we offer or expect — real returns vary year to year and can be negative. Past performance does not guarantee future results.
The figures shown are an illustration produced from the numbers you typed in. They are not a quote, a guarantee, an offer or personal financial advice, and nothing here takes account of your own circumstances. Read the full disclaimer before acting on any of it.
Questions people ask us about this
Is a lumpsum better than a SIP?
Neither is better in the abstract. A lumpsum puts every rupee to work immediately, which helps if markets rise from here and hurts if they fall. A SIP spreads the entry price out. Where a large amount arrives at once and the market feels expensive, many people park it in a liquid fund and move it across in instalments — an STP. We can set that up.
Why does this compound yearly and the SIP calculator monthly?
It follows the convention each is normally quoted in. The difference over a long period is small, but it is a real difference, so it is stated rather than hidden.
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Open calculatorA number is not a plan
This tool does arithmetic. It does not know your income, your other commitments, how you would react to a bad year, or what tax you pay. Send us the figure you arrived at and we will tell you honestly whether the plan behind it holds up.
Ready when you are
Want us to run the numbers with you?
Bring your own figures and we will work through them with you — including what could go wrong.