Lumpsum Calculator
Growth of a one-time investment over time.
Enter your details
How it is calculated
P = amount invested, r = annual return (as a decimal), n = compounding periods per year, t = years. Real value = FV ÷ (1 + inflation)t.
Worked example
₹5,00,000 invested for 10 years at 12% p.a., compounded annually: FV = 5,00,000 × 1.12^10 ≈ ₹15,52,924. Gain ≈ ₹10,52,924.
About the Lumpsum Calculator
Growth of a one-time investment over time. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for one-time investment, expected annual return, investment period (years), compounding, inflation for real-value view. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
Lumpsum or SIP – which is better?
Neither is universally better. A lumpsum puts all the money to work at once, while a SIP averages your purchase price over time and suits regular income. The right choice depends on cash availability and risk tolerance.
Why show a real (inflation-adjusted) value?
Because ₹15 lakh in ten years will not buy what ₹15 lakh buys today. The real value tells you the purchasing power of the maturity amount.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.