Lumpsum Calculator
One amount, one rate, one honest number — see what a single investment could become, or work backwards from a goal to what you need to invest today.
One decision, measured honestly.
Set the amount and rate, then slide the years. Notice how the growth — the green part of the bar — starts small and then dwarfs your original amount. That single switch is compounding.
- Grow a lump sum — one amount invested once, left alone.
- Reach a goal — start from the target and work backwards to today.
Illustration only. Assumes a constant annual return — real market returns vary year to year and are not guaranteed.
| Year | Invested | Growth | Value |
|---|
The formula behind the numbers
P = amount invested once · r = annual rate ÷ 100
Example: ₹1,00,000 at 12% a year for 10 years becomes ₹3,10,585 — more than three times, with nothing added after day one.
The “Reach a goal” mode does this live — the amount shrinks as years or rate rise.
Example: ₹50 lakh needed in 15 years at 12% needs about ₹9.14 lakh invested today. For monthly investing instead, use the SIP calculator — and to compare results fairly, read What is CAGR?
Frequently asked questions
What is a lumpsum calculator?
It shows what a single one-time investment could grow into at an assumed annual return over a chosen number of years — or, in goal mode, how much you need to invest today to reach a target.
Lumpsum or SIP — which is better?
Neither is always better. A SIP spreads your buying over time and suits a monthly salary; a lump sum invested early can grow more if markets rise steadily — a bonus or maturity amount is a natural lump sum. Many investors run both.
What return should I assume?
Use a conservative range — try 8%, 10% and 12% rather than one number. Broad Indian equity indices have compounded around 10–14% a year over long periods, but with sharp falls along the way.
Is the result guaranteed?
No. The calculator assumes the same return every year; real investments move unevenly and can fall. Use it to understand compounding, not as a promise.
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