About the Lumpsum Calculator
A lumpsum calculator shows what a one-time investment grows to at an expected annual return. ₹1,00,000 invested for 10 years at 12% a year grows to about ₹3,10,585, more than three times the original amount.
How it is calculated
FV = P × (1 + r)^t
- P is the amount invested, r the expected annual return as a decimal, t the number of years.
- Returns are compounded yearly.
Worked example
Inputs: ₹1,00,000 for 10 years at 12%.
Result: ₹3,10,585 total value, ₹2,10,585 estimated returns.
Rules and assumptions
- Market-linked returns are not guaranteed. The result is before tax.
Frequently asked questions
How is lumpsum return calculated?
With compound growth: FV = P × (1 + r)^t, where r is the expected annual return.
Lumpsum or SIP: which is better?
A lumpsum puts all your money to work at once, which helps in a rising market. A SIP spreads the timing risk. Try both in the SIP calculator.
What return should I expect?
Long-term equity fund returns have often been 10–12% a year, but they vary widely and are not guaranteed.