Lumpsum Calculator: One-time Investment Returns
Find the future value of a one-time investment in a mutual fund, stock or deposit.
Year-by-year table
The formula
FV = P × (1 + r)n. A one-time investment compounds for the whole period, so time matters more than the starting amount: ₹5 lakh at 12% becomes about ₹15.5 lakh in 10 years but about ₹48 lakh in 20.
Lumpsum or SIP?
A lumpsum works best when markets are reasonably valued and you have the money now. If you worry about investing just before a fall, spread it out with an STP (systematic transfer plan) over 6–12 months.
Related calculators
SIP calculatorEstimate what a monthly SIP in a mutual fund could grow to, with invested amount and gains shown separately.FD calculatorCalculate the maturity value and interest on a bank fixed deposit with quarterly, monthly or yearly compounding.RD calculatorFind the maturity value of a monthly recurring deposit at a bank or post office.PPF calculatorEstimate your PPF balance at maturity from your yearly deposit, interest rate and period.
This is an estimate for planning only, not financial, tax or medical advice.