Lumpsum Calculator (Mutual Fund One-Time Investment)
This lumpsum calculator shows what a one-time investment in a mutual fund could grow to. Enter the amount, the return you expect and the period to see the final value, the gain, and how the money grows year by year.
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Calculator and results
A one-time investment of ₹1,00,000 for 10 years at an expected 12% a year could grow to ₹3,10,585, a gain of ₹2,10,585 (3.11x your money).
An assumption you are choosing, not a rate anyone is offering.
Total value
₹3,10,585
Estimated gain
₹2,10,585
Amount invested
₹1,00,000
Multiple of what you put in
3.11x
Invested vs gain
- Invested
- 32.2%
- ₹1,00,000
- Gain
- 67.8%
- ₹2,10,585
Year by year
| Year | Value | Gain |
|---|---|---|
| 1 | ₹1,12,000 | ₹12,000 |
| 2 | ₹1,25,440 | ₹25,440 |
| 3 | ₹1,40,493 | ₹40,493 |
| 4 | ₹1,57,352 | ₹57,352 |
| 5 | ₹1,76,234 | ₹76,234 |
| 6 | ₹1,97,382 | ₹97,382 |
| 7 | ₹2,21,068 | ₹1,21,068 |
| 8 | ₹2,47,596 | ₹1,47,596 |
| 9 | ₹2,77,308 | ₹1,77,308 |
| 10 | ₹3,10,585 | ₹2,10,585 |
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Total value
₹3,10,585
- What it is:
- A calculator for a single, one-time investment held for a period.
- What it calculates:
- The projected value at the end, the gain over the amount invested, and the path year by year.
Key Assumptions
- The return you enter is applied once per year, every year.
- Nothing is added or withdrawn during the period.
- No expense ratio, exit load or tax is deducted.
How does the Lumpsum Calculator work?
A lumpsum investment is a single amount put in once and left to compound. There are no further instalments, so the whole sum is exposed to the market for the entire period.
The calculator compounds annually: the value at the end of each year becomes the base for the next. A fractional period is handled by the same exponent, which is the standard treatment.
Compounding annually is the right reading of an 'expected annual return'. A market investment moves continuously rather than once a year, but an annualised return figure is by definition a per-year rate, so applying it once per year is what that number means.
The gap between a lumpsum and a SIP of the same total money is entirely about time in the market. A lumpsum has the full amount working from day one; a SIP builds up to it.
Worked example: ₹1,00,000 invested once in an equity mutual fund for 10 years at an assumed 12% a year grows to ₹3,10,585, a gain of ₹2,10,585. ₹5,00,000 for the same period becomes ₹15,52,924. Returns are not guaranteed; 12% is an assumption, not a promise.
Inflation shrinks what that money will buy. At 6% inflation, ₹3,10,585 in ten years buys about what ₹1,73,429 buys today, so the real gain is much smaller than the headline figure. Running the calculator at your return minus 6% gives a quick inflation-adjusted view.
Tax applies when you sell. For an equity fund held over 12 months, long-term gains above ₹1,25,000 in a year are taxed at 12.5%: on the ₹2,10,585 gain above, about ₹10,698 is due if it is your only equity gain that year. Use the LTCG Tax Calculator for your own figure.
Many investors combine a lumpsum with a monthly SIP. Model the monthly part with the SIP Calculator, compare both routes for the same money with the SIP vs Lumpsum Calculator, and to move a large sum into equity gradually, see the STP Calculator. To check what an investment has actually returned, use the CAGR Calculator.
What ₹1,00,000 invested once grows to
| Years | At 8% | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 1 | ₹1,08,000 | ₹1,10,000 | ₹1,12,000 | ₹1,15,000 |
| 3 | ₹1,25,971 | ₹1,33,100 | ₹1,40,493 | ₹1,52,087 |
| 5 | ₹1,46,933 | ₹1,61,051 | ₹1,76,234 | ₹2,01,136 |
| 10 | ₹2,15,892 | ₹2,59,374 | ₹3,10,585 | ₹4,04,556 |
| 15 | ₹3,17,217 | ₹4,17,725 | ₹5,47,357 | ₹8,13,706 |
| 20 | ₹4,66,096 | ₹6,72,750 | ₹9,64,629 | ₹16,36,654 |
Annual compounding at a constant assumed return, before tax and inflation. Market returns vary from year to year.
Lumpsum Calculator formula
FV = P x (1 + r)^t
- FV
- = future value
- P
- = amount invested
- r
- = annual return as a decimal, so 12% is 0.12
- t
- = period in years
Rearranged, this is the CAGR formula: knowing any three of FV, P, r and t gives you the fourth.
Lumpsum Calculator: worked example
₹5,00,000 invested once, assuming 12% a year
- After 5 years
- ₹8,81,171
- After 10 years
- ₹15,52,924
- Gain over 10 years
- ₹10,52,924
- Multiple of what went in
- 3.11x
Lumpsum Calculator: frequently asked questions
How long does money take to double?
Should I invest a lump sum all at once or stagger it?
Does this work for a fixed deposit?
Why does my actual return not match this?
What will ₹1 lakh become in 10 years as a lumpsum?
What is the lumpsum calculation formula?
Is lumpsum better than SIP?
Further reading
Capital gains tax on Indian shares and equity funds: 20% STCG, 12.5% LTCG above the ₹1.25 lakh exemption, and how tax-loss harvesting works.
Learn how increasing your monthly SIP by 10% annually creates 50% to 100% more wealth than a normal flat SIP. Real math, calculations, and examples.
On the same money and the same return, a lumpsum wins on arithmetic. Why a SIP is still the right answer for most people in India.
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Reviewed by Pradipta Ray, MBA (Finance) · Updated