Lumpsum Calculator
🔒 In your browserFuture value of a one-time investment with annual compounding.
How it works
See what a one-time (lumpsum) investment could grow to with annual compounding. Enter the amount, an expected annual return and the number of years.
Returns aren't guaranteed — this assumes a constant annual rate. For a monthly investment instead, use the SIP Calculator.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the Lumpsum Calculator
This free lumpsum calculator shows what a one-time investment could grow to with annual compounding. Enter the amount, an expected annual return and the number of years, and it projects the future value and your total returns.
It calculates in your browser — quick and private.
How lumpsum growth works
A lumpsum invests a single amount that then compounds each year. The future value is FV = P × (1 + r)^n, where P is your investment, r is the annual return as a decimal and n is the number of years. Compounding means each year's growth is calculated on the previous year's larger balance, so the returns accelerate the longer you stay invested.
A worked example
Invest ₹1,00,000 once at an assumed 12% return for 10 years. The balance grows to about ₹3,10,585 — more than triple — even though you never added a rupee after the first day. Of that, ₹2,10,585 is returns generated purely by compounding on the original ₹1,00,000.
Frequently asked questions
How is lumpsum return calculated?
With FV = P × (1 + r)^n, where P is the invested amount, r the annual return and n the number of years. The calculator applies this and separates your principal from the returns.
Lumpsum or SIP — which is better?
A lumpsum can do better when you have a large amount ready and markets rise steadily; a SIP averages your entry price and suits monthly saving. Compare both with the SIP Calculator.
Are the returns guaranteed?
No. The rate is an assumption for planning — market-linked investments fluctuate, so real results will differ.
Does compounding frequency matter here?
This tool compounds annually. For quarterly or monthly compounding on a fixed sum, use the Compound Interest Calculator.
Is my data uploaded?
No. The calculation runs locally in your browser.