Lumpsum Investment Calculator

For money invested once and left alone. Enter the amount, the return you expect and the period, and the calculator shows what it could become and how the growth stacks up year by year.

Investment amount

₹

Expected return (per year)

An assumption you are choosing, not a rate anyone is offering.

Investment period (years)

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: ₹1,00,000 (32.2%)
Gain: ₹2,10,585 (67.8%)

Year by year

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

Total value

₹3,10,585

3.11x in 10 yr

This is a projection from the return you assume, not a forecast and not a promise. Market returns are not fixed and not guaranteed, and a real portfolio will not deliver the same percentage every year even if it averages it.

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.

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Nothing is added or withdrawn during the period.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 it works

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.

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.

Example calculation

₹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

Frequently asked questions

How long does money take to double?

Divide 72 by the return. At 12% that is six years, and the calculator confirms it: ₹1,00,000 at 12% reaches about ₹1,97,000 after six years. The rule of 72 is an approximation that holds well between about 6% and 15%.

Should I invest a lump sum all at once or stagger it?

Mathematically, investing sooner wins on average because the money is exposed to growth for longer. Staggering reduces the risk of putting everything in just before a fall. Which matters more depends on how you would react to that fall, which is a question about you rather than about the maths.

Does this work for a fixed deposit?

Use the FD calculator instead. Banks compound quarterly rather than annually, which changes the answer, and the FD calculator also handles non-cumulative deposits that pay interest out.

Why does my actual return not match this?

Because real returns are not a straight line. A fund that averages 12% might deliver 30%, then -10%, then 18%. The end value can still land near the projection, but the path will look nothing like the smooth curve here.