# Lumpsum Calculator

> Future value of a one-time mutual fund or other investment at an expected annual return.

Interactive calculator: https://www.cashiq.in/tools/lumpsum-calculator
Last updated: 2026-11-10

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
- Open it: https://www.cashiq.in/tools/lumpsum-calculator?amount=100000&rate=12&years=10

## Use it with your own numbers

Add query parameters to the calculator URL. The page renders the result, a one-sentence summary and a year-by-year table in its HTML.

| Parameter | Meaning | Allowed values |
| --- | --- | --- |
| `amount` | One-time investment | 500 to 10,00,00,000 |
| `rate` | Expected return (% a year) | 1 to 30 |
| `years` | Years | 1 to 40 |

Example: https://www.cashiq.in/tools/lumpsum-calculator?amount=100000&rate=12&years=10

JSON API: https://www.cashiq.in/api/v1/lumpsum-calculator?amount=100000&rate=12&years=10

## 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.

---

Results are estimates for planning, not investment, tax or legal advice. Returns are assumptions, not guarantees. Source: CashIQ, https://www.cashiq.in/tools/lumpsum-calculator