Lumpsum calculator: future value of a one-time investment

A lumpsum is a single amount invested once and left to grow. Enter the amount, an expected annual return and the number of years, and this calculator shows what it could be worth at the end and how much of that is growth.

The formula is simple compounding: future value = amount x (1 + annual rate) raised to the number of years. Because the whole amount starts earning from day one, a lumpsum gets the full time to compound, which is why the same total split into monthly instalments ends lower. The return you enter is an assumption; real investments rarely deliver the same figure every year.

Frequently asked questions

Is a lumpsum better than a SIP?

It depends on when the money is available and how markets behave. A lumpsum has more time to compound, while a SIP spreads the entry across many months. Neither is guaranteed to win.

What rate should I use?

Use a rate that matches the kind of investment: a bank FD rate for a deposit, a more cautious figure for market-linked options. Running two or three rates shows the spread.

Does this account for tax or inflation?

No. The figure is before tax and in future rupees. A rupee at the end buys less than a rupee today.

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