Finance & Investment · Mutual Funds & SIP
Lumpsum Investment Calculator
Project what a one-time (lumpsum) investment in a mutual fund, stocks or a deposit could grow to at an expected annual return — with gains, a year-by-year table and, optionally, the value in today's money after inflation.
Your inputs
Quick start — try a typical case
₹ 5 lakh
An assumption, not a promise. Equity funds have historically varied widely year to year.
Your result Live
Estimated Future Value
₹27,36,783
₹5,00,000 invested once, growing at 12% a year for 15 years
- Amount Invested
- ₹5,00,000
- Estimated Gains
- ₹22,36,783
- Growth Multiple
- 5.47×
- Effective Annual Return
- 12.00%
- Invested · 18%₹5,00,000
- Gains · 82%₹22,36,783
Year-by-year value
15 rowsAn estimate from the assumptions you entered, not a guaranteed outcome.
How this is calculated
FV = P × (1 + r/n)^(n × t)
- P
- Amount invested once
- r
- Expected annual return (decimal)
- n
- Compounding periods per year (1 = annual, the default)
- t
- Years invested
A lumpsum is invested once and left to compound. With annual compounding the expected return behaves like a CAGR: ₹5 lakh at 12 % for 15 years becomes 5,00,000 × 1.12¹⁵ ≈ ₹27.37 lakh. Compounding the same 12 % monthly would quietly assume 12.68 % a year — the setting is there if you need it, but annual is the honest default.
Assumptions & sources
- The return is constant every year; real markets go up and down, and the order of returns doesn't matter for a single lumpsum.
- No tax, exit load or expense ratio is deducted beyond what your assumed return already reflects.
- Version 2.0 (Oct 2026) changed the default from monthly to annual compounding, matching standard lumpsum calculators and the CAGR Calculator.
- 1Mutual fund investor education (SIP, lumpsum, risk) — AMFI — Association of Mutual Funds in India
- 2Investor education material — SEBI — Securities and Exchange Board of India
- 3Investments (Bodie, Kane & Marcus), chapters on returns, compounding and the time value of money — McGraw-Hill
Calculator ID FIN-INV-LUMP-001 · version 2.0.0
Common questions
Is the return guaranteed?
No. The expected return is your assumption. Mutual fund and stock returns vary and can be negative over short periods; past returns don't predict future ones.
Why did the result change from earlier versions?
Earlier versions compounded the annual return monthly, which assumes a higher effective rate (12 % became 12.68 %). Version 2.0 compounds annually, so the 12 % you type is the 12 % you get — consistent with the CAGR Calculator.
Lumpsum or SIP — which is better?
With a steady return a lumpsum invested earlier earns more, because all the money compounds for longer. A SIP spreads purchases over time, which reduces timing risk. The SIP vs Lumpsum Comparison calculator shows both side by side.