Lumpsum Calculator
What a one-time investment grows into
Your Lumpsum Returns
- Invested₹1,00,000(32%)
- Returns₹2,10,585(68%)
Year-by-year value
| Year | Value at year end | Returns so far |
|---|---|---|
| 1 | ₹1,12,000 | ₹12,000 |
| 2 | ₹1,25,440 | ₹25,440 |
| 3 | ₹1,40,493 | ₹40,493 |
| 4 | ₹1,57,352 | ₹57,352 |
| 5 | ₹1,76,234 | ₹76,234 |
| 6 | ₹1,97,382 | ₹97,382 |
| 7 | ₹2,21,068 | ₹1,21,068 |
| 8 | ₹2,47,596 | ₹1,47,596 |
| 9 | ₹2,77,308 | ₹1,77,308 |
| 10 | ₹3,10,585 | ₹2,10,585 |
- 1Enter the amountYour one-time investment
- 2Set return and periodExpected yearly return and years
- 3See the valueTotal value and gains
How is lumpsum return calculated?
A lumpsum compounds once a year at the expected return, so each year's gain also earns returns the next year.
FV = P × (1 + r)ⁿ
P = amount invested, r = yearly return ÷ 100, n = years
Lumpsum or SIP?
A lumpsum puts all your money to work at once, which pays off when markets rise. A SIP spreads purchases over time and averages out the price, which is gentler in volatile markets. Many people invest a windfall gradually through an STP into an equity fund.
Doubling time
At 12% a year, money doubles in about 6 years; at 8%, about 9 years. Divide 72 by the yearly return for a quick estimate (the rule of 72).
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Frequently asked questions
Are lumpsum returns guaranteed?
No. Equity and hybrid fund returns move with the market. This calculator assumes a steady yearly return to give an estimate.
Is the result before tax?
Yes. Gains on equity funds held over a year are taxed at 12.5% above ₹1.25 lakh a year; debt fund gains are taxed at your slab rate.
What return should I assume?
Use a conservative long-term figure: roughly 10–12% for diversified equity funds, 6–7% for debt funds. Past returns don't guarantee future ones.
These results are estimates for planning only, not financial, investment or tax advice. Rates and rules change, and your bank, fund house or employer may calculate slightly differently. Check with them or a qualified adviser before you decide.
Sources
Last reviewed: October 2026