Lumpsum Calculator
This lumpsum calculator projects what a one-time investment grows to at your assumed annual return, with a year-by-year table so you can watch the compounding accelerate. A single ₹1 lakh at 12% roughly triples in 10 years — type your own numbers and the result updates instantly, entirely on your device.
- Nothing you type leaves this page
- Works offline once loaded
- Free forever, no signup
Preparing Lumpsum Calculator for you…
Loading the tool into your browser. Nothing is uploaded — the work happens on your device.
Estimated value after {{ n(years) }} years
{{ inr(result.value) }}
- Invested {{ inr(result.invested) }}
- Estimated gain {{ inr(result.gain) }}
- Growth multiple {{ multiple }}×
Compounded once a year at your assumed rate. Market returns vary — treat this as a projection, not a promise.
Year-by-year growth
| Year | Value | Gain |
|---|---|---|
| {{ row.year }} | {{ inr(row.value) }} | {{ inr(row.gain) }} |
How to use this tool
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Enter your one-time investment
The amount you are investing today — a bonus, maturity proceeds, or a transfer from savings.
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Set expected return and years
Pick an annual return assumption (12% is common for equity, 7% for debt) and how long you will stay invested.
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Read the future value and growth table
The result card shows final value, gain and the growth multiple; the table below shows the value at the end of every year.
Questions people ask
What will ₹1 lakh become in 10 years?
At 12% p.a. compounded annually, ₹1 lakh grows to about ₹3.11 lakh in 10 years — a 3.1× multiple. At 8% it reaches about ₹2.16 lakh. The year-by-year table shows the full path for your rate.
How is lumpsum growth calculated?
Future value = P × (1 + r)ᵗ, where P is your investment, r the annual return and t the years — annual compounding, the standard convention for one-time investment projections.
Lumpsum or SIP — which is better?
A lumpsum puts all your money to work immediately, which wins when markets rise steadily; a SIP spreads entries and averages your purchase cost, which helps in volatile markets and suits monthly incomes. Run both — this page for lumpsum, our SIP calculator for instalments — and compare final values.
Why does the growth speed up in later years?
That is compounding: each year the return is earned on an already-grown amount. In the year-by-year table you can see the gain added in year 10 is far larger than in year 1, even though the rate never changed.
Is the projected return guaranteed?
No — this is a projection at a steady assumed rate. Real market returns fluctuate, so treat the output as a planning estimate and stress-test it at lower rates.
Does this calculator send my numbers anywhere?
No — the maths runs in your browser, nothing touches a server, and the page works offline after it loads.
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