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RETURNS02 / 06 · Financial planning tool
Lumpsum Calculator
See how a one-time investment can grow over time and how much of the final value comes from compounding.
RETURNS · Lumpsum Calculator
Lumpsum Calculator
Estimate how a one-time investment can grow through compounding. All calculations happen in your browser.
Period
Projected value₹3,10,585
Invested₹1,00,000
Estimated returns₹2,10,585
For planning and educational purposes only. Results depend on the assumptions you enter and are not investment advice.
WHY THIS TOOL EXISTS
Why time matters more than timing
With a lumpsum, the biggest variable you control is the time your money remains invested. Compounding can look slow initially and become much more powerful over longer periods.
01 · Inputs matter02 · Time changes the answer03 · Use it for planning
HOW TO USE IT
Turn the inputs into a better decision.
Keep assumptions realistic, compare scenarios and use the output as one input in your decision — not as a promise of returns.
Choose a realistic expected annual return.
Select the time horizon.
Compare the original investment with the estimated growth to understand the effect of compounding.
COMMON QUESTIONS
Before you use the number.
01What is a lumpsum investment?+
A lumpsum is a one-time investment of a larger amount, unlike a SIP where money is invested in regular instalments.
02How is the future value calculated?+
The calculator compounds the initial amount at your assumed annual return for the selected period.
03Lumpsum or SIP — which is better?+
It depends on your cash flow, risk tolerance and market conditions. A lumpsum puts more money to work immediately, while a SIP spreads investments over time.
04What return should I assume?+
Use a conservative, long-term assumption appropriate for the asset. Avoid choosing a rate simply because it produces the corpus you want.