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Lumpsum calculator
What a one-time investment grows to over the years.
Quick answer
A lumpsum is a single investment that grows by compounding at an assumed yearly return, so the longer it stays invested, the more it earns. Formula: Future value = P × (1 + r)^t. ₹1,00,000 at 12% for 10 years becomes about ₹3,10,585.
Read the guide: SIP vs lumpsum: which suits you, with numbers
Maturity value
₹3,10,585
- Amount invested
- ₹1,00,000
- Gain
- ₹2,10,585
Returns are not guaranteed. Real investments go up and down, so treat this as an illustration of the maths.
- Invested
- Gain
Year-by-year table
| Year | Invested so far | Gain so far | Balance |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹25,440 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹40,493 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹57,352 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹76,234 | ₹1,76,234 |
| 6 | ₹1,00,000 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,00,000 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,00,000 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,00,000 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹1,00,000 | ₹2,10,585 | ₹3,10,585 |
How is lumpsum returns calculated?
A lumpsum goes in once and then compounds: each year’s gain earns its own gain the year after.
Doubling the time does much more than double the gain, which is why starting early matters.
Compare with a SIP of the same total to see how spreading the money out changes the answer.
What is the formula for lumpsum returns?
- Future value = P × (1 + r)^t
- P = amount invested, r = yearly return ÷ 100, t = years
Can you show a worked example of lumpsum returns?
₹1,00,000 at 12% for 10 years: 1,00,000 × 1.12^10 = ₹3,10,585. The gain is ₹2,10,585.
What does a lumpsum investment grow to?
Maturity value at an assumed 12% a year. Returns are not guaranteed.
| Amount invested | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹10,000 | ₹17,623 | ₹31,058 | ₹54,736 | ₹96,463 |
| ₹50,000 | ₹88,117 | ₹1,55,292 | ₹2,73,678 | ₹4,82,315 |
| ₹1,00,000 | ₹1,76,234 | ₹3,10,585 | ₹5,47,357 | ₹9,64,629 |
| ₹5,00,000 | ₹8,81,171 | ₹15,52,924 | ₹27,36,783 | ₹48,23,147 |
| ₹10,00,000 | ₹17,62,342 | ₹31,05,848 | ₹54,73,566 | ₹96,46,293 |
Common questions
What is the rule of 72?
Divide 72 by the yearly return to estimate the years needed to double your money. At 12% it is about 6 years.
Does the return compound every year?
Yes, the calculator compounds once a year.
Is a lumpsum riskier than a SIP?
Putting everything in at once exposes you to the market level on that one day. A SIP averages the entry price over time.
Are taxes included?
No. Tax on gains depends on the asset and holding period, and it reduces the final amount.