Lumpsum Calculator
Estimate how a one-time mutual fund investment can grow over time, compare returns against your original investment, and export a clean planning report.
Investment inputs
Mutual FundProjection summary
Live resultsGrowth and yearly table
10 yearsProjected growth curve
Constant annual compounding at the selected return assumption.
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹60,000 | ₹5,60,000 |
| 2 | ₹5,00,000 | ₹1,27,200 | ₹6,27,200 |
| 3 | ₹5,00,000 | ₹2,02,464 | ₹7,02,464 |
| 4 | ₹5,00,000 | ₹2,86,760 | ₹7,86,760 |
| 5 | ₹5,00,000 | ₹3,81,171 | ₹8,81,171 |
| 6 | ₹5,00,000 | ₹4,86,911 | ₹9,86,911 |
| 7 | ₹5,00,000 | ₹6,05,341 | ₹11,05,341 |
| 8 | ₹5,00,000 | ₹7,37,982 | ₹12,37,982 |
| 9 | ₹5,00,000 | ₹8,86,539 | ₹13,86,539 |
| 10 | ₹5,00,000 | ₹10,52,924 | ₹15,52,924 |
Assumptions and questions
Use these notes before treating a single projected corpus as a decision-ready number.
When should I use a lumpsum calculator?Tap to review the planning note
Is lumpsum better than SIP?Tap to review the planning note
Are the projected returns guaranteed?Tap to review the planning note
Why show inflation adjusted value?Tap to review the planning note
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Scenario comparison
0/6 savedSave the current result, change an assumption, then save again to compare the two summaries side by side.
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Open calculatorAssumptions and methodology
Transparent calculation notes for Lumpsum Calculator.
Formula used
The one-time investment compounds annually at the selected expected return for the chosen time period.
Methodology
- Use the entered amount as initial principal.
- Apply annual compounding at the selected expected return.
- Separate final value into invested amount and estimated returns.
Core assumptions
- Return remains constant across the investment period.
- The investment stays fully invested until the end.
- Inflation-adjusted value uses the calculator's inflation assumption where shown.
Not included
- Tax, exit load, expense ratio, market volatility, and redemption timing are excluded.
- Mutual fund returns are not guaranteed.
About Lumpsum Calculator
Guide1What is a Lumpsum Calculator?
A lumpsum calculator estimates the future value of a one-time investment using an assumed annual return and investment period. It is useful when you want to invest an existing amount such as a bonus, maturity proceeds, asset sale proceeds, or idle savings.
2Lumpsum Formula
The future value is calculated as:
FV = P x (1 + r)^t
- FV = Future value of the investment
- P = One-time investment amount
- r = Expected annual return rate
- t = Investment period in years
3How to Use This Lumpsum Calculator
- Step 1: Enter the one-time investment amount
- Step 2: Set the expected annual return
- Step 3: Choose the investment period
- Step 4: Review final value, estimated returns, inflation-adjusted value, and yearly growth
4Lumpsum vs SIP
Lumpsum investing puts the full amount to work immediately, while SIP spreads investment over time. Lumpsum may benefit from longer time in the market, but SIP can reduce timing risk when markets are volatile.