Lumpsum Calculator
See how a single one-time investment grows over time with compounding.
Market-linked returns are not guaranteed — this is an assumption.
Projected value
₹3,10,585
Wealth gained: ₹2,10,585
How it's calculated
A one-time investment grows by annual compounding:
FV = P × (1 + r)t
where P is the invested amount, r is the annual return (as a decimal) and t is the number of years. The return is an assumption — market-linked returns are not guaranteed.
Lumpsum tips
- A longer horizon lets compounding do more of the work.
- If you're wary of timing the market, consider staggering a large amount over a few months.
- Match the expected return to the asset — debt, equity and hybrid funds behave very differently.
Frequently asked questions
What is a lumpsum investment?
A lumpsum is a single one-time investment, as opposed to investing gradually. The full amount starts compounding immediately, so returns depend heavily on the entry point and the holding period.
How is the future value calculated?
We use annual compounding: FV = P × (1 + r)^t, where P is the amount invested, r is the annual return as a decimal, and t is the number of years.
Is the projected return guaranteed?
No. The return is an assumption. Actual market-linked returns fluctuate, so treat the figure as an estimate for comparison rather than a certainty.
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