Lumpsum Investment Calculator

Lumpsum Calculator

See what a one-time investment could grow to, thanks to compounding.

Investment amount

₹

Expected return

Years invested

An educational estimate assuming a steady annual return compounded yearly. Real market returns are uneven and not guaranteed.

Investing monthly instead?

Use the Goal SIP Calculator to plan monthly investments.

Goal SIP Calculator All Free Tools

How the lumpsum calculator works

Updated 20 July 2026

In short

This calculator shows what a single one-time investment could grow to over a chosen number of years at an assumed annual return, with returns compounding once a year. It also splits the result into your original amount and the gains.

The formula

Future Value = P × (1 + r)^n

P = amount invested today
r = assumed annual return ÷ 100
n = number of years

How it's calculated

1Convert the expected annual return to a decimal: r = annual % ÷ 100.
2Raise (1 + r) to the power of the number of years — this is the compounding factor.
3Multiply your one-time investment by that factor to get the future value.
4Gains = future value − amount invested.

Assumptions & limits

•Compounding is ANNUAL. Funds that compound more often (monthly/daily) grow slightly faster.
•The return is assumed CONSTANT every year. Real market returns are uneven — a planning estimate, not a forecast.
•No further investments or withdrawals; the whole amount stays invested throughout.
•Before costs (expense ratio) and before tax on gains, so your real proceeds are a little lower.

Frequently asked questions

Is this for a lumpsum or a SIP?

Lumpsum — a single one-time investment. For a fixed monthly investment toward a goal, use the SIP calculator instead.

Is the return guaranteed?

No. It is an assumption you choose. Market-linked investments can return more or less; SEBI requires the “subject to market risks” disclosure.

Why does a small change in the rate matter so much?

Because of compounding: over long periods, a couple of extra percentage points a year multiply into a large difference in the final amount.

Sources

SEBI Investor Education — Mutual Funds
Basis for the “subject to market risks” framing; returns are not assured.
Compound interest / future value (standard financial mathematics)
The future-value formula is textbook compound-interest mathematics.

Learn the idea behind this

This tool gives you a number. These free WealQuest lessons explain the idea it rests on — in English and हिंदी, no sign-up.

This explains the maths behind the tool so you can trust the number. It is educational information, not financial advice.