Lumpsum Calculator
Maximize Your One-Time Investment Returns!
Investment Breakdown
What Is a Lumpsum Calculator?
A Lumpsum Calculator is a financial tool that helps estimate the future value of a one-time investment (a single large sum) over a specific period, considering a fixed annual rate of return. It is commonly used in investment planning to project how much your money could grow over time.
Tax Efficiency
Long-term capital gains (LTCG) on equities taxed at 10% (after ₹1 lakh profit)
Simplicity & Time Efficiency
One-time decision: No need to track monthly investments
Power of Compounding
Your entire amount starts earning returns immediately
Lumpsum Calculator Work and Calculation Formula?
The Lumpsum calculator use formula below:Â
Future Value (FV) = P × (1 + r)^t
where as,
FV= Future ValueP= Principal amountr= Annual rate of return (in decimal, e.g., 12% = 0.12)- t = Investment tenure (in years)
For example, If you invest ₹1 lakh over a 10-year period with an anticipated annual return of 12%, the total value at maturity—calculated using the Lumpsum formula—would amount to approximately ~₹3.1 lakhs.
Yearly Return Summary:
| Year | Investment Amount (₹) | Returns (₹) | Maturity Value (₹) |
|---|---|---|---|
| 2025 | ₹100,000 | ₹12,000 | ₹1,12,000 |
| 2026 | ₹100,000 | ₹25,440 | ₹1,25,440 |
| 2027 | ₹100,000 | ₹40,493 | ₹1,40,493 |
| 2028 | ₹100,000 | ₹57,352 | ₹1,57,352 |
| 2029 | ₹100,000 | ₹76,234 | ₹1,76,234 |
| 2030 | ₹100,000 | ₹97,382 | ₹1,97,382 |
| 2031 | ₹100,000 | ₹1,21,068 | ₹2,21,068 |
| 2032 | ₹100,000 | ₹1,47,596 | ₹2,47,596 |
| 2033 | ₹100,000 | ₹1,77,308 | ₹2,77,308 |
| 2034 | ₹100,000 | ₹2,10,585 | ₹3,10,585 |
Frequently Asked Questions
A Lumpsum Calculator is a financial tool that estimates the future value of a one-time investment (a single large sum) over a specific period, accounting for compound interest. It helps investors project potential returns based on a fixed annual rate of return.
Yes, all our Tools are completely free and do not require any registration or payment.
You’ll need the initial investment amount, expected return rate, and investment duration.
Mutual fund lumpsum calculators can provide accurate estimates of your investment value depending upon the variables you enter. They do not factor in charges or market volatility.
A lumpsum investment is ideal when you have a large amount to invest all at once (like a bonus or inheritance), while SIP (Systematic Investment Plan) is better suited for regular, smaller investments. Use a lumpsum calculator if you’re planning to deploy a significant sum upfront.
Yes! Most modern calculators work seamlessly on all devices.
