Lumpsum Investment Calculator

See what one amount invested today could become, and how much of that is growth rather than the sum you started with.

Maturity value

₹15,52,924.10

that is about 15.53 lakh

Amount invested₹5,00,000.00
Estimated gain₹10,52,924.10

Works out in your browser. Nothing you type is sent anywhere.

In short: Lumpsum Investment Calculator

Putting in ₹5,00,000 for 10 years at 12% a year gives about ₹15,52,924.10, of which ₹10,52,924.10 is growth. Because nothing is added along the way, the whole amount compounds for the full period, which is why a lumpsum left alone can outrun the same money drip-fed in.

What is Lumpsum Investment?

A lumpsum investment is a single amount put in once and left to compound, rather than being spread across monthly instalments.

How is Lumpsum Investment calculated?

FV = P \times {(1 + r)}^{t}

Multiply the amount invested by one plus the yearly return, raised to the number of years. Nothing is added or taken out along the way, so the same sum compounds for the whole period.

FVthe value at the end, before tax
Pthe amount invested at the start
rthe expected yearly return, as a decimal
tthe number of years invested

A worked example

Inputs and results for the worked example
Result
One-time investment	₹5,00,000
Expected return (% a year)	12%
Years invested	10 years
Maturity value	₹15,52,924.10
Amount invested	₹5,00,000.00
Estimated gain	₹10,52,924.10

Every figure in this table is produced by the same calculation the tool above runs.

How to use this lumpsum investment calculator

Enter the amount you are investing in one go.
Enter the yearly return you expect.
Set the number of years you will leave it alone.
Read the final value, and the share of it that is growth.

Questions people ask

Is a lumpsum better than a SIP?

On a rising market a lumpsum wins, because all of the money is invested from day one. On a falling or choppy market monthly instalments win, because they buy more units when prices are low. Which one you had was better is only knowable afterwards.

What if I invest a lumpsum just before a fall?

You carry the fall on the whole amount, which is the real risk of investing everything at once. Some people split a lumpsum across a few months to blunt that. The cost of doing so is the growth the uninvested part misses.

Why does this use yearly compounding?

Yearly compounding is the convention for quoting fund returns, so the figure here lines up with how returns are published. A fund does not actually compound on a schedule; its value moves daily. Treat the result as the standard way of expressing an average, not a monthly timetable.

Does the figure account for tax or fees?

No. It shows the gross value before any expense ratio, exit load or capital gains tax. Those reduce what you receive, and the capital gains tool can work out the tax on a given gain.

Accuracy and sources

Estimate only. Not financial or tax advice.

Checked by the Daytoolz team on 16 October 2026. How we check our tools.

All loan & investment calculators