Lumpsum Investment Calculator
Instant results as you type.
₹
%
years
Value at the end
₹15,52,924.10
Wealth gained₹10,52,924.10
Your money multiplies by3.11
Amount invested₹5,00,000.00
For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
A lump sum invested once and left alone is compounding in its purest form: no further contributions, just time doing the work. This calculator shows what a single amount becomes at a given rate, and — more usefully — the multiple it grows to, which is the number that makes the difference between ten years and twenty years obvious.
How to use it
- Enter the amount you are investing in one go.
- Enter the yearly return you expect, and how long you will leave it.
- Read the final value, the wealth gained, and how many times your money multiplied.
Examples
- 5 lakh at 12% for 10 years grows to about 15.5 lakh — roughly three times.
- The same 5 lakh for 20 years reaches far more than double that, because the later years compound on a much larger base.
Frequently asked questions
- Lump sum or SIP — which is better?
- If the money is already in hand and the horizon is long, investing it at once has historically beaten spreading it out, simply because it spends more time in the market. Spreading it over a few months reduces the risk of buying everything at a peak, which matters more when the amount is large relative to your savings. A SIP is for money you do not yet have — it is a savings habit, not a timing strategy.
- What return should I assume?
- Be conservative. Indian equity indices have delivered roughly 11 to 13 per cent a year over long periods, but any decade can be far worse, and past performance is not a promise. For debt or hybrid funds, use something closer to 6 to 8 per cent. Run the calculator twice — once at your hoped-for rate and once three points lower — and plan around the lower figure.
- Does this account for inflation?
- No, and that matters. The final figure is in future rupees, which buy less than today's. Use our inflation calculator on the same horizon to see the real purchasing power. A 12 per cent return with 6 per cent inflation is roughly a 6 per cent real return.
- Is the return guaranteed?
- Only if you have entered a rate from a guaranteed product such as an FD. For market investments the number here is an assumption, not a forecast — actual returns will vary year to year and may be negative in some of them. The calculator projects the arithmetic of a constant rate, which reality never quite follows.