How to use the Lumpsum Calculator
- Enter the amount you will invest once.
- Enter the expected yearly return and the number of years.
- Optionally add inflation to see the value in today’s money.
About this tool
A lumpsum investment is a single, one-time amount invested at the start. Its future value is FV = P × (1 + r)t, where P is the amount, r the expected yearly return (as a decimal) and t the number of years. For example, ₹1,00,000 at 12% a year for 10 years grows to about ₹3,10,585.
To see what that money will really buy, enter an inflation rate: the value in today’s money is FV ÷ (1 + inflation)t. Equity mutual fund returns are not fixed and can be negative in some years; a constant rate is only a planning assumption. Capital-gains tax on redemption is not deducted.
Frequently asked questions
What will ₹1 lakh become in 10 years at 12%?
About ₹3,10,585 — roughly 3.1 times the investment.
Lumpsum or SIP — which is better?
A lumpsum invested early has more time to grow if markets rise, while a SIP spreads your buying over time and reduces the risk of investing everything at a market peak.
Are these returns guaranteed?
No. Market-linked investments go up and down; this calculator assumes a steady yearly return for illustration.