How to use the Lumpsum Calculator
- Enter the amount you invest once.
- Enter the expected annual return and years.
- Press Calculate returns.
Lumpsum Calculator formula
FV = P × (1 + r)t
P = amount invested, r = annual return ÷ 100, t = years.
Worked example
₹1,00,000 invested for 10 years at 12%: FV = 1,00,000 × 1.1210 ≈ ₹3,10,585. Your money grows about 3.1 times.
Frequently asked questions
What is a lumpsum investment?
It is a single, one-time investment of a large amount in a mutual fund or other asset, instead of monthly SIPs.
Lumpsum or SIP — which is better?
Lumpsum can earn more if markets rise after you invest; SIP spreads your buying over time and reduces timing risk.
What is the Rule of 72?
Divide 72 by the annual return to estimate how many years it takes to double your money. At 12%, it takes about 6 years.
Are the returns guaranteed?
No. Market-linked investments can give higher or lower returns than the rate you enter.
Can I use this for fixed deposits?
For FDs, use the FD calculator, which handles quarterly compounding used by banks.