How to use this calculator
- Enter the amount you will invest once.
- Enter the yearly return you expect.
- Choose how many years you will stay invested.
- Read the estimated value and the returns, then explore the charts and the table.
How lumpsum value is calculated
The amount grows by the yearly return, and each year's growth earns returns too:
FV = P × (1 + r)n
P is the amount invested, r is the yearly return ÷ 100 and n is the number of years.
Example:₹1,00,000 at 12% a year for 10 years grows to₹3,10,585 — ₹2,10,585 of returns on top of your money.
Frequently asked questions
What is a lumpsum investment?
Investing a single amount in one go — for example a bonus or the proceeds of a sale — instead of spreading it over regular instalments.
Is it better to invest a lumpsum or through a SIP?
With the same total and the same steady return, a lumpsum ends higher because all the money is invested from day one: ₹12 lakh invested once at 12% for 10 years grows to about ₹37.27 lakh, while ₹10,000 a month (the same ₹12 lakh in total) grows to about ₹23.23 lakh. In real markets returns are not steady, and a SIP spreads the risk of investing everything at a high price.
How long does it take to double my money?
At 12% a year, money doubles in about 6.1 years. A quick mental check is the rule of 72: divide 72 by the yearly return (72 ÷ 12 = 6.0).
Are these returns guaranteed?
Not for market-linked investments such as mutual funds or shares — their returns vary from year to year, and the calculator assumes one steady rate. For a guaranteed return, see the FD calculator or the government savings schemes.
Related calculators
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- InvestingSWP CalculatorMonthly withdrawals and how long your money lasts
- InvestingFD CalculatorFixed deposit maturity value
- InvestingRD CalculatorRecurring deposit maturity — bank or post office
- InvestingCAGR CalculatorYearly growth rate of an investment
Last updated . For information only — not financial advice. Check the final figures with your lender or bank.