Lumpsum Calculator
Estimate the future value of a one-time lumpsum investment. See how compound returns grow your money over time.
Future Value
How to use the Lumpsum Calculator
- Enter the one-time investment amount.
- Enter the expected annual return.
- Enter the investment period in years.
- Click Calculate to see the estimated future value and wealth gained.
Formula used
Worked example
₹1,00,000 for 10 years at 12% per year
Future value ≈ ₹3,10,585
Wealth gained ≈ ₹2,10,585
Lumpsum or SIP?
A lumpsum puts all money to work immediately, which helps when markets rise steadily. A SIP spreads purchases over time and reduces the risk of investing everything at a market peak. If you have a large amount, a Systematic Transfer Plan (STP) — parking it in a debt fund and moving it to equity monthly — is a middle path.
Tips for accurate results
- Use realistic returns: about 10–12% for diversified equity over long periods, 6–7% for debt funds.
- Returns from mutual funds are not guaranteed and vary year to year.
- Long-term capital gains on equity funds above the exemption limit are taxable.
Frequently Asked Questions
No. This calculator assumes a constant return; actual market returns fluctuate.
For planning, many investors use 10–12% for equity and 6–7% for debt, then check results with a lower figure too.
No. To see the real value, use the inflation calculator on the result.
Content reviewed by Vinod, Easy Smart Calculator · Last updated October 2026
Lumpsum Investing
A lumpsum investment means investing a large amount all at once. It benefits from compounding over the full period but carries more timing risk than staggered investments like SIP.
P = Principal, r = Annual rate, t = Years