Lumpsum Calculator
Free lumpsum calculator for mutual funds and investments. See the future value, total invested and estimated returns of a one-time investment, with a year-by-year breakdown.
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🔒 Calculated in your browser. Your investment details never leave your device. Returns shown are estimates based on the rate you enter and are not guaranteed.
Free Lumpsum Calculator
This free online lumpsum calculator shows how a single, one-time investment can grow over time through compounding. Enter the amount you invest, the expected annual return and the number of years, and instantly see your estimated future value, the total you invested and the returns you could earn. It’s free, fast and runs entirely in your browser.
How to use the lumpsum calculator
- Enter your investment amount — the one-time sum you want to invest.
- Set the expected annual return (for example, 12% for equity mutual funds).
- Choose the time period in years that you plan to stay invested.
- Read your estimated future value, total invested and gain in the result cards.
- Scroll the year-by-year table to see how the value grows each year.
Lumpsum vs SIP and how compounding works
A lumpsum investment is a single, one-time deposit, while a SIP (Systematic
Investment Plan) spreads smaller amounts across many months. A lumpsum benefits from the full power of compounding
from day one because the entire amount is invested upfront. The growth follows
FV = P × (1 + r/100)years, where P is the amount you invest, r is
the expected annual return as a percentage, and years is how long you stay invested. Because each
year’s returns are added back and earn returns themselves, the curve gets steeper over time — this is why
staying invested longer matters so much.
For example, ₹1,00,000 invested at a 12% annual return for 10 years grows to roughly ₹3,10,585, of which about ₹2,10,585 is the gain. Equity returns are not fixed, so use the calculator to compare optimistic and conservative rates rather than relying on a single number. The figures here are estimates to help you plan and are not a guarantee of future returns.