Calculators
Lumpsum Investment Calculator
See how a one-time investment grows over time at a given annual return, with the gains shown separately.
About the Lumpsum Investment Calculator
The Lumpsum Investment Calculator shows how a one-time investment could grow. Drag the sliders for the amount, expected return and years, and see the future value, the gains, how many times your money grows, how long it takes to double, the value in today's money and a year-by-year chart.
What you can do with the Lumpsum Investment Calculator
- Future value: What a one-time investment could become.
- Growth multiple: How many times your money grows.
- Doubling time: How long it takes to double.
- Year-by-year chart: Plus the value in today's money.
How a lumpsum grows
A lumpsum is invested once and left to compound. Each year's return is added to the balance and earns returns itself, so growth speeds up over time, in the chart, the orange gains part gets bigger every year while the blue invested part stays the same.
Lumpsum or SIP?
A lumpsum puts all your money to work immediately, which helps if markets rise. A SIP spreads the investment out, which smooths the effect of market ups and downs. Many people do both, compare with the SIP Calculator.
Why the return rate is a guess
Nobody can promise a future return. Try a few rates, say 8%, 10% and 12%, to see a realistic range. The inflation-adjusted figure is a reminder that ₹1 later buys less than ₹1 today.
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Frequently Asked Questions
What return rate should I use?
For diversified equity funds, many people model 10–12% for long-term planning; fixed deposits and debt funds are lower. Use a conservative figure.
What is the rule of 72?
Divide 72 by the yearly return to estimate how many years money takes to double, at 12%, about 6 years. The "Doubles in about" box gives the exact figure.
Does this include tax?
No. It shows growth before tax and costs.
What will ₹5 lakh become in 15 years?
At an assumed 12% a year, ₹5 lakh invested once grows to about ₹27.37 lakh in 15 years, roughly 5.47 times the original amount. At 6% inflation that is worth about ₹11.42 lakh today. Returns are not guaranteed.
Is a lumpsum better than a SIP?
With the same total amount and the same return, a lumpsum ends higher because all the money compounds for the full period. A SIP spreads your entry over time, which reduces the risk of investing everything at a market peak. Neither is better in every case.
How long does money take to double at 8%?
About 9 years, since log 2 ÷ log 1.08 is 9.0. At 12% it takes about 6.1 years and at 7% about 10.2 years. The calculator shows this as "Doubles in about" for whatever rate you set.
What is CAGR and how does it relate to this calculator?
CAGR is the steady yearly growth rate that turns a starting amount into an ending amount. If ₹1 lakh became ₹2 lakh in 5 years, the CAGR is about 14.87%. The expected return slider here works as a CAGR.
Does the calculator compound yearly or quarterly?
It compounds once a year. Bank FDs in India usually compound quarterly, which gives slightly more: ₹1 lakh at 7% for 5 years is about ₹1,40,255 with yearly compounding and about ₹1,41,478 with quarterly compounding.
Can I use this for an FD, gold or a one-time mutual fund investment?
Yes, for any one-time amount where you assume a fixed yearly rate. For an FD the rate is known, while for gold or equity funds the rate is only an estimate. It is not suited to schemes with yearly deposits such as PPF.
What does the growth multiple mean?
It shows how many times your money grows. A 3.11× multiple means each ₹1 becomes ₹3.11, so ₹1 lakh becomes ₹3.11 lakh. At 12% a year money roughly triples in about 9.7 years.
Why is the today's money figure so much lower?
Prices rise over time, so the same rupees buy less in future. The calculator divides the future value by 6% inflation for each year. For example, ₹3.11 lakh after 10 years is worth about ₹1.73 lakh in today's money.
Read the guide
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