Lumpsum Investment Calculator
A lump sum invested once compounds for the whole period. Enter the amount, the return you expect and the time to see the projected value, and what it may buy after inflation.
Results
Estimated value
₹15,52,924
- Estimated gains
- ₹10,52,924
- Growth multiple
- 3.11 ×
- Value in today's money
- ₹8,67,145
₹5,00,000.00 invested for 10 years at 12% a year grows to ₹15,52,924.10 (about ₹8,67,144.71 in today's purchasing power at 6% inflation).
Growth over time
- Amount invested
- Gains
Value by year (10 rows)
| Period | Gains so far | Value |
|---|---|---|
| Year 1 | ₹60,000 | ₹5,60,000 |
| Year 2 | ₹1,27,200 | ₹6,27,200 |
| Year 3 | ₹2,02,464 | ₹7,02,464 |
| Year 4 | ₹2,86,760 | ₹7,86,760 |
| Year 5 | ₹3,81,171 | ₹8,81,171 |
| Year 6 | ₹4,86,911 | ₹9,86,911 |
| Year 7 | ₹6,05,341 | ₹11,05,341 |
| Year 8 | ₹7,37,982 | ₹12,37,982 |
| Year 9 | ₹8,86,539 | ₹13,86,539 |
| Year 10 | ₹10,52,924 | ₹15,52,924 |
Show the calculation steps
- Future value = amount × (1 + rate)^years = ₹5,00,000.00 × (1 + 12%)^10 = ₹15,52,924.10.
- Gain = ₹10,52,924.10; the money multiplies 3.11 times.
- Adjusting for 6% inflation: ₹15,52,924.10 ÷ (1 + inflation)^years = ₹8,67,144.71.
- Returns are not guaranteed and are shown before tax.
Compounding on a lump sum
Growth is exponential: each year's gain is earned on a larger base. The last few years of a long period produce far more growth than the first few.
Look at the real value
The value in today's money shows what the future amount would buy at current prices. It is a more honest measure of progress towards a goal.
Formula
Value = Amount × (1 + annual return)^years
Value in today's money = Value ÷ (1 + inflation)^years
Where:
- Amount
- = The one-time investment
- years
- = Investment period in years
Example calculation
₹5,00,000 at 12% for 10 years with 6% inflation
Inputs
- Investment Amount
- ₹5,00,000
- Expected Annual Return
- 12 %
- Investment Period
- 10 years
- Expected Inflation
- 6 %
Result
- Estimated value
- ₹15,52,924
- Estimated gains
- ₹10,52,924
- Growth multiple
- 3.11 ×
- Value in today's money
- ₹8,67,145
Step-by-step
- Future value = amount × (1 + rate)^years = ₹5,00,000.00 × (1 + 12%)^10 = ₹15,52,924.10.
- Gain = ₹10,52,924.10; the money multiplies 3.11 times.
- Adjusting for 6% inflation: ₹15,52,924.10 ÷ (1 + inflation)^years = ₹8,67,144.71.
Important notes
- Results are estimates based on the values you enter. They assume the rates stay constant and exclude taxes and fees unless stated.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
How is lump sum growth calculated?
Value = amount × (1 + annual return)^years.
Are returns guaranteed?
No. This is a projection using a constant return.
What is the difference between lump sum and SIP?
A lump sum is invested once. A SIP adds a fixed amount regularly. See the SIP vs lump sum calculator.
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