GreenFunds
Free tool

Lumpsum Calculator

See what a one-time investment could grow to at a steady yearly return. Every figure here is an illustration, not a promise of returns.

You invest ₹0
Estimated gains ₹0
Estimated final value ₹0

Invested Gains

This is an illustration that assumes the same return every year, compounded yearly, which real markets never deliver. It ignores tax, exit loads and fund expenses beyond what the return you enter already reflects. Past returns do not predict future returns.

Year-by-year growth

YearValue at year endGain so far

How this is calculated

The amount grows by the yearly return you enter, and each year's growth is added to the amount before the next year's return is worked out. That is compounding. The final value is amount × (1 + return) raised to the number of years.

A worked example

Illustration: 1 lakh rupees invested once.

  • At 12% a year for 10 years, it grows to about ₹3,10,585.
  • At 12% a year for 20 years, about ₹9,64,629, roughly three times the 10-year figure, because the gains themselves keep earning.
  • At 8% a year for 10 years, about ₹2,15,892.

Time does more of the work than the amount. To invest monthly instead, see the SIP calculator, and to see what the final figure is worth in today's money, try the inflation calculator.

Read next

Questions people ask

What is a lumpsum investment?

It means investing a single amount at one time, for example putting a bonus or a matured FD into a mutual fund, instead of investing a fixed amount every month through a SIP. The whole amount starts earning from day one, but it also takes the full hit if the market falls soon after you invest.

How much will 1 lakh become in 10 years?

It depends on the return. At an illustrative 12% a year, compounded yearly, 1 lakh rupees grows to about ₹3.11 lakh in 10 years and about ₹9.65 lakh in 20 years. At 8% a year it becomes about ₹2.16 lakh in 10 years. Equity fund returns are not fixed, so treat these as illustrations, not forecasts.

Lumpsum or SIP, which is better?

Neither always wins. A lumpsum puts all your money to work at once, which helps if markets rise. A SIP spreads your buying over months, which softens the effect of a fall right after you invest. Many people put a windfall into a liquid fund and move it into equity in instalments. Our guide to SIP vs lumpsum compares the two.

Is the return in this calculator guaranteed?

No. For a fixed deposit the rate is known, but for mutual funds and shares the return changes every year and can be negative. The calculator assumes the same return every year to show how compounding works.

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