Lumpsum Calculator
A lumpsum grows as amount × (1 + annual return)^years, so ₹1 lakh invested at 12% a year for 10 years becomes about ₹3,10,585, or ₹1,73,429 in today's money if prices rise 6% a year. The calculator also compares it with the same ₹1 lakh invested through a monthly SIP.
By the Calculators With Steps team · Updated November 10, 2026 · How we check our math
- Amount invested
- ₹1,00,000
- Estimated returns
- ₹2,10,585
- Wealth multiple
- 3.11×maturity value ÷ amount invested
- Years to double
- 6.1 yearsrule of 72 says about 6
- Value in today's money (6% inflation)
- ₹1,73,429real return 5.66% a year
- Same ₹1 lakh as a monthly SIP
- ₹1,93,616₹833 a month for 120 months
- Amount invested₹1,00,000
- Estimated returns₹2,10,585
- Invested
- Returns
Step-by-step working
- FV = P × (1 + r)^t
- FV = 1,00,000 × (1 + 0.12)^10 = 1,00,000 × 3.1058 = ₹3,10,585
- Today's value = FV ÷ (1 + inflation)^t = ₹3,10,585 ÷ 1.7908 = ₹1,73,429
Show year-by-year table
| Year | Value at year end | Total gain | In today's money |
|---|---|---|---|
| 1 | ₹1,12,000 | ₹12,000 | ₹1,05,660 |
| 2 | ₹1,25,440 | ₹25,440 | ₹1,11,641 |
| 3 | ₹1,40,493 | ₹40,493 | ₹1,17,960 |
| 4 | ₹1,57,352 | ₹57,352 | ₹1,24,637 |
| 5 | ₹1,76,234 | ₹76,234 | ₹1,31,692 |
| 6 | ₹1,97,382 | ₹97,382 | ₹1,39,147 |
| 7 | ₹2,21,068 | ₹1,21,068 | ₹1,47,023 |
| 8 | ₹2,47,596 | ₹1,47,596 | ₹1,55,345 |
| 9 | ₹2,77,308 | ₹1,77,308 | ₹1,64,138 |
| 10 | ₹3,10,585 | ₹2,10,585 | ₹1,73,429 |
Assumes a steady yearly return with gains reinvested. Real market returns go up and down, and this ignores expense ratios, exit loads and capital gains tax.
How to use the lumpsum calculator
- One-time investment – the amount you invest once.
- Expected return – the yearly return you assume. Use a cautious figure, since equity returns are never guaranteed.
- Time period – how many years you will stay invested.
- Inflation (optional) – shows what the final amount is worth in today’s rupees. Set it to 0 to skip.
You get the maturity value, the gain, a wealth multiple, the inflation-adjusted value and a side-by-side figure for investing the same amount through a monthly SIP. A chart and a table show the value at the end of every year.
Lumpsum formula
FV = P × (1 + r)^t
- FV = future value
- P = amount invested today
- r = expected annual return ÷ 100
- t = number of years
To express it in today’s money, divide by the inflation factor: real value = FV ÷ (1 + i)^t, where i is the inflation rate. This is the same compound growth formula behind a CAGR. If you already know the start and end values, the CAGR calculator works backwards to the return.
Worked example
₹1,00,000 invested once at 12% a year for 10 years:
- FV = 1,00,000 × (1.12)^10 = 1,00,000 × 3.1058 = ₹3,10,585
- Gain = ₹2,10,585, or 3.11 times your money
- At 6% inflation, ₹3,10,585 in 10 years has the buying power of ₹1,73,429 today
| ₹1 lakh invested once | 8% a year | 10% a year | 12% a year |
|---|---|---|---|
| After 5 years | ₹1,46,933 | ₹1,61,051 | ₹1,76,234 |
| After 10 years | ₹2,15,892 | ₹2,59,374 | ₹3,10,585 |
| After 20 years | ₹4,66,096 | ₹6,72,750 | ₹9,64,629 |
Doubling the time from 10 to 20 years more than triples the result at 12%, because the gains of the first decade compound in the second. ₹5 lakh at 12% for 15 years grows to ₹27,36,783.
Lumpsum vs SIP
Investing ₹1 lakh as a lump sum and investing it as a SIP of ₹833 a month over the same 10 years give very different answers at the same 12% return:
| ₹1 lakh over 10 years at 12% | Maturity value |
|---|---|
| Lump sum on day one | ₹3,10,585 |
| SIP of ₹833 a month for 120 months | ₹1,93,616 |
The lump sum wins on paper because every rupee is invested for the full 10 years, while the average SIP rupee is invested for only about 5. But that assumes a smooth return. In real markets, a lump sum invested just before a crash can take years to recover, while a SIP keeps buying at lower prices. Many investors with a large sum park it in a liquid or debt fund and move it into equity through a systematic transfer plan (STP) over 6 to 12 months. Model a regular monthly plan with the SIP calculator.
Choosing a return assumption
There is no guaranteed rate for market-linked investments. A cautious range for planning is 10% to 12% a year for diversified equity funds over long periods, 7% to 8% for hybrid funds and 6% to 7% for debt funds. For a guaranteed return, compare a fixed deposit or PPF, and always check the result against inflation with the inflation calculator.
Tips for lumpsum investors
- Match the fund to the time frame. Equity funds suit money you will not need for 7 years or more.
- Do not chase last year’s returns. A fund that rose 40% last year is not more likely to repeat it.
- Mind taxes and costs. Capital gains tax, exit loads and the expense ratio all reduce the final amount, and this calculator ignores them.
- Review once a year and rebalance if one asset has grown far beyond its share of your portfolio.
Lumpsum Calculator: frequently asked questions
What is a lumpsum investment?
A lumpsum investment is money invested all at once, such as putting a bonus, an inheritance or the proceeds of a sale into a mutual fund in a single transaction. It is the opposite of a SIP, where you invest a fixed amount every month.
How is lumpsum return calculated?
Use FV = P × (1 + r)^t, where P is the amount invested, r is the expected annual return as a decimal and t is the number of years. ₹1 lakh at 12% for 10 years gives 1,00,000 × 1.12^10 = ₹3,10,585.
How much will ₹5 lakh grow to in 15 years?
At an assumed 12% a year, ₹5 lakh invested once grows to about ₹27.37 lakh in 15 years, more than five times the original amount. At 10% it would be smaller. Actual market returns vary and are not guaranteed.
Is lumpsum better than SIP?
If markets rise steadily, a lump sum usually ends higher because all the money is invested from day one. ₹1 lakh as a lump sum at 12% for 10 years grows to ₹3,10,585, while the same ₹1 lakh spread as a ₹833 monthly SIP grows to about ₹1,93,616. A SIP lowers the risk of investing everything just before a fall.
How do I calculate lumpsum returns in Excel?
Use =FV(rate, years, 0, -amount), for example =FV(12%, 10, 0, -100000) returns 3,10,585. Or type the formula directly: =100000*(1+12%)^10.
What is the inflation-adjusted value of my investment?
Divide the future value by (1 + inflation)^years. At 6% inflation, ₹3,10,585 received in 10 years buys what ₹1,73,429 buys today, which is a real return of about 5.7% a year on a 12% investment.
How long does it take to double money?
Divide 72 by the annual return for a quick estimate. At 12% a year money doubles in about 6 years (6.1 exactly), at 8% in about 9 years and at 6% in about 12 years.
How we checked this page: every figure in the examples and FAQs above is produced by this calculator and verified by automated tests against known answers, and the rules and rates come from the sources below. Last updated . Spotted a problem? Tell us.
Sources and further reading