Lumpsum investment calculator
Invest once and let it compound. See the estimated value at the end of each year.
Example result
- Amount invested
- ₹1,00,000
- Estimated gains
- ₹2,10,585
- Estimated value
- ₹3,10,585
Year-by-year
| Year | Value |
|---|---|
| 1 | ₹1,12,000 |
| 2 | ₹1,25,440 |
| 3 | ₹1,40,493 |
| 4 | ₹1,57,352 |
| 5 | ₹1,76,234 |
| 6 | ₹1,97,382 |
| 7 | ₹2,21,068 |
| 8 | ₹2,47,596 |
| 9 | ₹2,77,308 |
| 10 | ₹3,10,585 |
How this is calculated
A single amount compounds once a year at the expected annual return.
Value = P × (1 + r)t
where P is the amount invested, r the annual return and t the number of years.
Questions
Is lumpsum better than SIP?
With the same return, money invested earlier compounds for longer, so a lumpsum often ends higher. In practice returns are uneven, and a SIP spreads your entry points over time. Many investors combine both.
Why annual compounding?
Return figures for funds and deposits are usually quoted as annualised rates, so FID compounds once a year for lumpsum estimates. The methodology page shows the formula.
Does inflation reduce this value?
Yes. The result is in future rupees. To see today's purchasing power, divide by (1 + inflation rate) raised to the number of years.
Estimates for educational purposes only. Not financial, tax or investment advice.