Lump Sum Calculator

Project the future value and estimated return from a one-time investment.

Adjust your plan

Enter an exact value or use a slider. Your result updates instantly.

Formula, example and assumptions
Projected value₹3,10,584.82
Indian rupees
%

Your result

Local calculation
Projected value₹3,10,584.82About ₹3.11 lakh

The projected value is your one-time investment plus estimated growth at the end of the term. Amount invested and returns are shown separately.

Expected annual return (%)
12 %
Investment term (years)
10
See how this is calculated

Investment split

Amount invested32%
Estimated returns68%

Result breakdown

Amount invested
₹1,00,000.00 About ₹1 lakh
Estimated returns
₹2,10,584.82 About ₹2.11 lakh
Projection over timeValues progress from ₹1,12,000.00 to ₹3,10,584.82.
Year 1Year 10
Check the inputs and method

These are your current inputs, not the worked example further down the page.

One-time investment
₹1,00,000
Expected annual return (%)
12 %
Investment term (years)
10

Method

Future value = P(1+r)^t, where P is the one-time investment, r is effective annual return ÷ 100 and t is years. Estimated returns = future value − P.

Read the worked example and assumptions

How this calculation works

Project a single investment made now with no later contributions or withdrawals. This is the simplest way to isolate the effect of holding time and an assumed annual return. The projected value includes the original investment; the returns figure is only the increase above it.

Future value = P(1+r)^t, where P is the one-time investment, r is effective annual return ÷ 100 and t is years. Estimated returns = future value − P.

Worked example

This example uses illustrative inputs. Your current result is shown above.

A one-time ₹1,00,000 investment at an assumed 12% effective annual return for 2 years becomes ₹1,00,000 × 1.12² = ₹1,25,440. The investment remains ₹1,00,000 and estimated returns are ₹25,440.

Assumptions and limits

  • All money is invested at the start and remains invested for the whole term.
  • The rate is an assumed effective annual return, not a guaranteed fund yield.
  • Tax and fees are not separately deducted, and market fluctuations are not simulated.

Questions people ask

Why is there no compounding-frequency input?

The rate is already an effective annual return. Its equivalent monthly conversion produces the same full-year growth factor rather than adding an extra compounding benefit.

Can I include a monthly SIP as well?

Use the mutual-fund returns calculator for a starting lump sum plus fixed monthly investments. This page keeps the one-time investment separate from recurring-contribution planning.

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