What you put in
One amount, invested now and left alone.
Ten lakh
Invested once, at the start. Nothing is added later.
How long, and on what return
The two assumptions that decide what it becomes.
A long-run average. Real returns vary year to year, and a poor run early costs more than the same run later.
Your result
Fill in the fields to see what it grows to.
What it grows to
₹22.11 Lakhs
₹10 Lakhs left invested for 7 years at a steady 12% grows to ₹22.11 Lakhs, or 2.2 times what you put in, with ₹12.11 Lakhs of that being return.
₹10 Lakhs today becomes ₹22.11 Lakhs after 7 years: your ₹10 Lakhs plus ₹12.11 Lakhs of growth, 2.2 times what you put in.
| Part | Amount |
|---|---|
| Your money | ₹10 Lakhs (45.2%) |
| Growth | ₹12.11 Lakhs (54.8%) |
| Total | ₹22.11 Lakhs |
- What you put in
- ₹10 Lakhs45.2%
- Return
- ₹12.11 Lakhs54.8%
AssumptionsShowHide
- Invested
- once, at the start
- Compounding
- yearly
- Added later
- nothing
- Returns
- steady, year on year
- Tax on gains
- not deducted
A steady return is an illustration, not a forecast. Real returns arrive unevenly, and a poor run early in the term costs more than the same run late. Tax on gains is not deducted here.
Illustrative projection, not advice. Nothing you enter is stored.
Year-by-year ledgerShowHide
| Year | Invested | Growth this year | Closing value |
|---|---|---|---|
| Year 1 | ₹10,00,000 | ₹1,20,000 | ₹11,20,000 |
| Year 2 | ₹10,00,000 | ₹1,34,400 | ₹12,54,400 |
| Year 3 | ₹10,00,000 | ₹1,50,528 | ₹14,04,928 |
| Year 4 | ₹10,00,000 | ₹1,68,591 | ₹15,73,519 |
| Year 5 | ₹10,00,000 | ₹1,88,822 | ₹17,62,342 |
| Year 6 | ₹10,00,000 | ₹2,11,481 | ₹19,73,823 |
| Year 7 | ₹10,00,000 | ₹2,36,859 | ₹22,10,681 |
Before you rely on these numbers
- This is an illustrative tool, not investment advice and not a recommendation to buy or sell any security or product.
- Every figure is a projection built on the assumptions shown, which you can change. Actual returns vary and can be negative.
- Returns are assumed to be steady year on year. Real markets are not, and a poor sequence of returns close to your goal changes the outcome even when the average does not.
- Figures are before tax, exit loads and fund charges, and assume every contribution is made on time.
- Nothing you type is sent anywhere. The calculation runs entirely in your browser and nothing is stored.
What is a lumpsum investment?
A lumpsum investment is a single amount you invest all at once, for example in a mutual fund, and then leave to grow. Unlike a SIP, where you invest a fixed amount every month, the whole sum starts earning returns from day one. Over time, compounding (earning returns on your earlier returns) does most of the work.
How to use the lumpsum calculator
- Enter the amount invested. This is the one-time sum you're putting in today.
- Choose the investment period. Pick anywhere from 1 to 40 years.
- Set the expected annual return. Choose between 3% and 14%.
The calculator shows what your money grows to, splits it into what you put in and what you earned, and compares your money today with the final amount.
How are lumpsum returns calculated?
This lump sum investment calculator uses the compound interest formula, with returns compounded once a year:
A = P × (1 + r)ⁿ
- A
- is the final amount
- P
- is the amount invested
- r
- is the annual return (12% = 0.12)
- n
- is the number of years
Worked example: ₹10 lakhs invested for 7 years at 12% a year. (1.12)⁷ is about 2.21, so it grows to about ₹22.11 lakhs, of which ₹12.11 lakhs is return. That's 2.2 times what you put in.
How much can a lump sum grow? (at 12% a year)
| Amount invested | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹1 Lakh | ₹1.76 Lakhs | ₹3.11 Lakhs | ₹5.47 Lakhs | ₹9.65 Lakhs |
| ₹5 Lakhs | ₹8.81 Lakhs | ₹15.53 Lakhs | ₹27.37 Lakhs | ₹48.23 Lakhs |
| ₹10 Lakhs | ₹17.62 Lakhs | ₹31.06 Lakhs | ₹54.74 Lakhs | ₹96.46 Lakhs |
Illustrative figures at a steady 12%, compounded yearly. Real returns vary.
Lumpsum Calculator FAQs
Lumpsum Calculator
A quick rule of thumb is the Rule of 72 (opens in new tab): divide 72 by the annual return. At 12%, that's about 6 years. The exact figure at 12% is just over 6 years, and at 8% it's about 9 years.
At 12% a year, you'd need to invest about ₹32.2 lakhs today to reach ₹1 crore in 10 years, about ₹18.3 lakhs for 15 years, or about ₹10.4 lakhs for 20 years.
It depends on your money and how comfortable you are with timing risk. A lump sum puts all your money to work at once, which tends to do better when markets rise steadily, but you take the full hit if they fall soon after you invest. A SIP (opens in new tab) spreads your purchases over time and suits a regular income.
It depends on the fund. Equity mutual funds have historically delivered higher long-run returns than debt funds, but with much bigger swings along the way, and past performance doesn't guarantee future returns. Try a cautious rate and an optimistic one in the calculator to see the range.
No. Mutual fund returns are market-linked and change from year to year. They can even be negative over short periods. The calculator uses a steady return to show how compounding works, not to predict what you'll actually get.
For a lump sum left untouched, the order of returns doesn't change the final amount; only the average does. Timing still matters when you need the money: a fall just before you withdraw leaves no time to recover, which is why many investors move to safer options as their goal gets closer.
Mostly because of how often returns are compounded. This calculator compounds once a year. Calculators that compound quarterly or monthly show a slightly higher figure for the same rate. For example, 12% compounded quarterly works out to about 12.55% a year.
No. Results are shown before tax. Mutual fund gains are taxed when you redeem, and the rate depends on the fund type and how long you've held it. Check the current rules or speak to a tax adviser.
No. The final value is in future rupees. For example, at 6% inflation (opens in new tab), ₹22.11 lakhs in 7 years would buy roughly what ₹14.7 lakhs buys today.
This calculator assumes a single investment left untouched until the end. Withdrawing early would reduce the final amount, and some funds charge an exit load (opens in new tab) if you redeem within a set period. If you plan to invest a fixed amount every month instead, use the SIP calculator (opens in new tab).
No. Nothing you enter in this lumpsum calculator is stored.
Still have questions? Write to us at help@time.money
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