Lumpsum calculator
See how a one-time investment could grow with compounding. Move the sliders or type your own numbers.
₹15,52,924
- Amount invested
- ₹5,00,000
- Estimated returns
- ₹10,52,924
- Total value
- ₹15,52,924
Year-by-year growth
| Year | Invested | Returns so far | Value |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹60,000 | ₹5,60,000 |
| 2 | ₹5,00,000 | ₹1,27,200 | ₹6,27,200 |
| 3 | ₹5,00,000 | ₹2,02,464 | ₹7,02,464 |
| 4 | ₹5,00,000 | ₹2,86,760 | ₹7,86,760 |
| 5 | ₹5,00,000 | ₹3,81,171 | ₹8,81,171 |
| 6 | ₹5,00,000 | ₹4,86,911 | ₹9,86,911 |
| 7 | ₹5,00,000 | ₹6,05,341 | ₹11,05,341 |
| 8 | ₹5,00,000 | ₹7,37,982 | ₹12,37,982 |
| 9 | ₹5,00,000 | ₹8,86,539 | ₹13,86,539 |
| 10 | ₹5,00,000 | ₹10,52,924 | ₹15,52,924 |
This calculator gives estimates for learning. Real rates, charges and returns vary, and nothing here is advice or a recommendation. Read the disclaimer.
How the lumpsum value is worked out
The value after a number of years is P × (1 + r)t, where P is the amount you invest, r is the yearly return divided by 100 and t is the number of years. Each year's gain is added to the amount, so the next year's gain is earned on a bigger base. That is compounding.
The return you enter is an assumption. Actual returns vary and are not guaranteed, and the result does not include fund charges or tax.
Common questions
What is a lumpsum calculator?
It estimates what a single one-time investment could grow to over a number of years at an assumed yearly return. It shows the effect of compounding on money left invested.
What is the difference between lumpsum and SIP?
A lumpsum is invested all at once, while a SIP invests a smaller amount every month. A lumpsum has more time to grow but is exposed to the market on a single date. Compare both with the same return to see the gap.
Is the result guaranteed?
No. The calculator uses one steady yearly return, which real investments do not deliver. Treat the result as an illustration of compounding, not a promise.