Lumpsum Calculator
Estimate the maturity value and returns on a one-time mutual fund or lumpsum investment, using your expected return and time period.
About this calculator
A lumpsum calculator shows how a single one-time investment could grow over time. Enter the amount, an expected annual return and the number of years, and it projects the maturity value and the returns earned using compound growth.
How it works
It uses Maturity = P × (1 + r)ⁿ — investment P, annual return r and n years — the standard compound-growth formula for a one-time investment.
Worked example
₹1,00,000 invested for 10 years at 12% grows to about ₹3,10,585 — roughly ₹2,10,585 of returns.
Investing monthly instead? Use the SIP calculator, or plan withdrawals with the SWP calculator.
Why use this lumpsum calculator
One-time investment growth
It compounds a single upfront investment at your expected annual return to project the maturity value over any horizon.
See the wealth gained
The result separates your invested amount from the estimated gains, so the effect of time and compounding is obvious.
Bracket your assumptions
Try a conservative and an optimistic return to get a realistic range instead of a single fragile number.
Common use cases
- Project the future value of a bonus or windfall invested today
- Compare a lumpsum against spreading the money into a SIP
- See what a one-time mutual-fund investment could grow to
- Estimate the corpus from an inheritance left invested for years
Frequently asked questions
With compound interest: Maturity = P × (1 + r)^n, where P is the one-time investment, r the expected annual return and n the number of years. The calculator applies this instantly.
A lumpsum is a single one-time investment, while a SIP invests a fixed amount every month. Lumpsum suits money you already have; SIP suits investing gradually from income.
Equity mutual funds have historically returned around 10–12% a year over the long run, but returns vary and aren't guaranteed. Try a few rates to see a realistic range.
No. Market-linked investments carry risk and past performance doesn't guarantee future returns. This is an estimate for planning only.
Yes. Everything is calculated in your browser and nothing you enter is uploaded.
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