Finance
See how a one-time investment grows over time at a given annual return.
Future Value
₹3,10,585at 12% p.a.
Your ₹1,00,000 grows to 3,10,585 in 10 years.
Uses the compound interest formula: FV = P × (1 + r/100)^n. Assumes annual compounding.
A lumpsum investment calculator computes the future value of a single, upfront investment amount over a specified period at a given annual return rate. Unlike SIP (Systematic Investment Plan) calculators which assume monthly contributions, a lumpsum calculator assumes you invest the entire amount on day one and hold it without adding more money. The calculation uses the compound interest formula to show how your capital grows over time.
The calculator applies the compound interest formula to your lumpsum amount. You input the principal (initial investment), the annual rate of return, the investment period in years, and the compounding frequency (annual, semi-annual, quarterly, or monthly). The tool then compounds the interest at each interval and displays the final amount. Higher compounding frequency and longer tenures amplify the wealth created through compound interest.
A = P × (1 + r/n)^(n×t)A = Final Amount; P = Principal (initial lumpsum); r = Annual interest rate (as a decimal); n = Compounding frequency per year; t = Time in years.
| Input | Result | Notes |
|---|---|---|
| Principal: ₹1,00,000, Rate: 8% p.a., Tenure: 10 years, Compounding: Annually | ₹2,15,892 | ₹1,00,000 more than doubles in 10 years at 8% annual return due to compounding. |
| Principal: ₹5,00,000, Rate: 6.5% p.a., Tenure: 15 years, Compounding: Quarterly | ₹12,82,910 | More frequent (quarterly) compounding generates slightly higher returns than annual compounding. |
| Principal: ₹10,00,000, Rate: 7% p.a., Tenure: 20 years, Compounding: Monthly | ₹40,04,577 | Over 20 years, ₹10 lakh grows to ₹40 lakh with monthly compounding, demonstrating the power of long-term investing. |
Lumpsum is a single, upfront investment; SIP spreads equal monthly investments over time. Lumpsum benefits from immediate compound growth, while SIP averages market risk across multiple buys. Use a lumpsum calculator for one-time windfalls (bonuses, inheritances); use an SIP calculator for monthly savings.
Most bank FDs compound quarterly or semi-annually. Government schemes like PPF compound annually. Monthly compounding is rarer but slightly better. Check your scheme's terms; the calculator lets you match it exactly.
Yes, if you estimate a realistic long-term return (8–10% for diversified equity portfolios, historically). However, equity returns are not guaranteed and vary year-to-year, unlike FDs. Use this as a best-case projection, not a guarantee.
This calculator assumes you hold the full amount for the entire tenure without withdrawals. If you plan partial withdrawals, recalculate for the remaining balance and shorter periods.
The calculator shows nominal returns (the absolute rupee amount). To find real returns, subtract the inflation rate from your return rate. For example, 8% nominal returns at 5% inflation = 3% real returns in purchasing power.
Yes. The calculator assumes automatic reinvestment (compounding). If your scheme allows manual reinvestment, do it to maximize compound growth. Not reinvesting resets the compounding cycle and reduces long-term wealth significantly.