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Lumpsum Calculator

Estimate how a one-time investment grows over the years at a given rate of return, compounded annually.

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₹
5 Lakh
%
years
Estimated value after 10 years
₹15,52,924
₹15.53 L
Invested amount
₹5,00,000
Estimated returns
₹10,52,924
Absolute return
210.6%
  • Invested (32%)
  • Returns (68%)

Returns are assumed to compound once a year at a constant rate. Market-linked returns vary.

Value at the end of each year

Y1: Invested ₹5 L, Returns ₹60,000Y1Y2: Invested ₹5 L, Returns ₹1.27 LY2Y3: Invested ₹5 L, Returns ₹2.02 LY3Y4: Invested ₹5 L, Returns ₹2.87 LY4Y5: Invested ₹5 L, Returns ₹3.81 LY5Y6: Invested ₹5 L, Returns ₹4.87 LY6Y7: Invested ₹5 L, Returns ₹6.05 LY7Y8: Invested ₹5 L, Returns ₹7.38 LY8Y9: Invested ₹5 L, Returns ₹8.87 LY9Y10: Invested ₹5 L, Returns ₹10.53 LY10
  • Invested
  • Returns

Year-wise value

YearValueGain
1₹5,60,000₹60,000
2₹6,27,200₹1,27,200
3₹7,02,464₹2,02,464
4₹7,86,760₹2,86,760
5₹8,81,171₹3,81,171
6₹9,86,911₹4,86,911
7₹11,05,341₹6,05,341
8₹12,37,982₹7,37,982
9₹13,86,539₹8,86,539
10₹15,52,924₹10,52,924

How to use Lumpsum Calculator

  1. Enter the amount you want to invest once.
  2. Enter the expected annual return.
  3. Choose the investment period in years.
  4. See the estimated value, total gains and year-wise growth.

Frequently asked questions

What is the formula for lumpsum returns?

Future value = 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.

How much will ₹1 lakh become in 10 years?

At 12% a year, ₹1 lakh grows to about ₹3.1 lakh in 10 years. At 8% it becomes about ₹2.16 lakh.

Lumpsum or SIP: which is better?

A lumpsum gets your full amount invested immediately, which helps when markets rise. A SIP spreads risk over time. If you already have a large sum, a staggered approach (STP) is a middle path.

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