How to use the Lumpsum Calculator
- Fill in Investment, Expected return and Time period. Type a number or drag the slider.
- The result appears straight away and changes as you type. There is no button to press.
- Use the worked example, table and formula below to check the result or compare other values.
Worked example
₹1 lakh invested once at an assumed 12% a year grows to about ₹3,10,585 in 10 years, a gain of ₹2,10,585.
Quick answers
- What will ₹50,000 invested once be worth in 10 years?At an assumed 12% a year, ₹50,000 invested once grows to about ₹1,55,292 in 10 years.
- What will ₹1 lakh invested once be worth in 10 years?At an assumed 12% a year, ₹1 lakh invested once grows to about ₹3,10,585 in 10 years.
- What will ₹5 lakh invested once be worth in 10 years?At an assumed 12% a year, ₹5 lakh invested once grows to about ₹15,52,924 in 10 years.
- What will ₹10 lakh invested once be worth in 10 years?At an assumed 12% a year, ₹10 lakh invested once grows to about ₹31,05,848 in 10 years.
Lumpsum growth table at 12% a year
Estimated value of a one-time investment. The 12% return is an assumption, not a promise.
| Invested once | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹50,000 | ₹88,117 | ₹1,55,292 | ₹2,73,678 | ₹4,82,315 |
| ₹1 lakh | ₹1,76,234 | ₹3,10,585 | ₹5,47,357 | ₹9,64,629 |
| ₹5 lakh | ₹8,81,171 | ₹15,52,924 | ₹27,36,783 | ₹48,23,147 |
| ₹10 lakh | ₹17,62,342 | ₹31,05,848 | ₹54,73,566 | ₹96,46,293 |
How it is calculated
FV = P × (1 + r)^t
P is the amount invested, r is the yearly return as a decimal and t is the number of years. Growth compounds: each year you earn returns on the previous years' returns too.
The expected return is your assumption, not a promise. Market-linked investments can fall as well as rise.
Good to know
- A lump sum needs time: the longer it stays invested, the more compounding does.
- If investing a large amount at once worries you, you can spread it over several months instead.
- Compare the result with inflation. Money that grows slower than prices loses buying power.
Common questions
What is a lumpsum investment?
It means investing one large amount at one time, instead of spreading it across monthly instalments as in a SIP.
Lumpsum or SIP, which is better?
It depends on your situation. A lumpsum puts all your money to work immediately but is more exposed to the market level on the day you invest. A SIP spreads that risk across many months.
How long should I stay invested?
For equity funds, many advisers suggest at least 5 years, because returns over shorter periods swing widely.
Does this calculator account for tax?
No. It shows growth before tax. Gains from mutual funds are taxed when you sell, at rates that depend on the fund type and holding period.
Formula and text last reviewed in October 2026. Results are estimates, not financial advice.