Lumpsum Calculator
FinanceEstimate how much a one-time investment could grow to, based on an expected annual return.
Future Value
A lumpsum at 12% p.a. doubles roughly every 6 years — time in the market matters more than timing the market.
Worked Example — ₹1,00,000 at 12% for 5 years
Frequently Asked Questions
It compounds a single, one-time investment once a year at your expected annual return — the way mutual fund returns are usually quoted (as CAGR). There are no further contributions after the initial amount; all the growth comes from that one investment compounding over time.
Common Mistakes to Avoid
- This is a one-time investment — for recurring monthly contributions, use the SIP Calculator instead. A lumpsum compounds a single amount invested once. If you're contributing a fixed amount every month instead, the SIP Calculator models that correctly — mixing the two up gives a very different (and wrong) future value.
- The rate you enter is an assumed return, not a guarantee. Mutual fund returns are market-linked and vary year to year. This calculator assumes a constant annual rate for simplicity — treat the result as an estimate to plan around, not a promised outcome.
References
- SEBI mutual fund investor guidelines — returns are market-linked and not guaranteed
Last reviewed July 2026
Was this calculator helpful?
Can't find a calculator you need?
Compare your options
Compound Interest Calculator
Calculate compound interest and total value at any compounding frequency.
SIP Calculator
Estimate the future value of your monthly SIP investment.
FD Calculator
Calculate fixed deposit maturity value and interest earned.
RD Calculator
Calculate recurring deposit maturity value with bank-standard quarterly compounding.