Lumpsum Calculator
See what a single, one-time investment could grow to under annual compounding. Enter the amount you put in, an expected yearly return and how long you stay invested, and the tool returns the projected maturity value, the amount you invested and the estimated gains. A year-by-year table shows how the balance builds so you can spot when compounding starts to accelerate.
How to use the lumpsum calculator
- Enter the one-time Investment amount you plan to put in (from 1,000 up to 10,000,000).
- Set an Expected return as an annual percentage, adjustable in half-point steps.
- Set the Time period in whole years, up to 40.
- Pick your currency from the selector in the top right to reformat every figure.
- Read the Invested, Est. gains and Future value cards, then scan the year-by-year table below.
Examples
100,000 at 10% for 10 years
Investment amount 100,000, Expected return 10%, Time period 10 yr
Future value $259,374.25, Invested $100,000.00, Est. gains $159,374.25
200,000 at 8% for 15 years
Investment amount 200,000, Expected return 8%, Time period 15 yr
Future value $634,433.86, Invested $200,000.00, Est. gains $434,433.86
Frequently asked questions
What formula does the lumpsum calculator use?
It uses the future value of a single deposit under annual compounding: future value equals principal times (1 plus rate) raised to the power of the number of years. The rate is your expected return divided by 100. Gains are simply the future value minus the amount you invested.
What is the difference between lumpsum and SIP?
A lumpsum is one single deposit made up front, while a SIP splits the same money into regular monthly contributions. Lumpsum puts the entire amount to work from day one, so it benefits more from a rising market, while a SIP averages your entry price and softens the impact of a bad start. Use our SIP calculator to compare the two side by side.
How often is the return compounded here?
Once per year. Each year the return is applied to the running balance, so you earn returns on prior returns. For monthly or quarterly compounding on a single deposit, use the compound interest calculator, which lets you set the compounding frequency.
Can I enter a fractional number of years?
The future value figure accepts any duration you type, but the year-by-year table is drawn for whole years only, because it rounds the term to the nearest year to build each row. For clean results, stick to whole years, which is also the step the slider uses.
Is the expected return guaranteed?
No. The return you enter is an assumption for illustration, not a promise. Real market returns swing from year to year and can be negative, so treat the maturity value as a projection and revisit it as conditions change.
What return rate is realistic to assume?
Pick a long-term figure that matches your asset type. Broad equity portfolios are often modelled around 10 to 12 percent over long horizons, while bonds or fixed deposits are lower. Choosing a conservative number gives you a safer, less optimistic estimate.
Does the result account for inflation, taxes or fees?
No. The output is a nominal figure before inflation, capital gains tax and any fund or platform charges. Each of those reduces your real, spendable return, so the number you see is best treated as a gross ceiling rather than take-home money.
Which currencies are supported?
The currency selector reformats every amount into your chosen currency symbol and separators. It does not convert between currencies at an exchange rate, so the underlying numbers stay the same and only the display changes.
Do my figures leave my device?
No. The calculation runs entirely in your browser, so the amounts, rates and years you enter are never uploaded or stored on a server.
Learn more
- Lumpsum vs SIP: which one grows more
How a one-time lumpsum and a monthly SIP differ, when each tends to win, and how to decide based on the cash you have and market timing.
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