Lumpsum Calculator
See what a one-time investment in mutual funds could grow into, based on your invested amount, expected return, and time horizon.
Invested Amount vs Estimated Returns
As years go by, a growing share of your corpus comes from returns rather than your original investment — this chart shows that shift.
How Lumpsum Returns Are Projected
Your entire investment compounds annually at the expected rate of return for the full duration, so the longer you stay invested, the greater the compounding effect on your final corpus.
Lumpsum Future Value Formula
A = P × (1 + R)T
Principal (P)
₹1,00,000.00
Annual Return (R)
12%
Duration (T)
10 Years
Maturity Value (A)
₹3,10,584.82
Where: P is your one-time principal investment, R is the expected annual rate of return, and T is the investment duration in years. Since the entire amount is invested upfront, it compounds annually for the full duration.
Lumpsum Calculation Example
See how your one-time investment grows over time using the values you've entered.
Worked Example
Suppose you invest ₹1,00,000.00 as a one-time lumpsum for 10 years with an expected annual return of 12%.
Your total investment remains ₹1,00,000.00, since a lumpsum is invested only once.
Based on these values, your investment could grow to approximately ₹3,10,584.82, generating an estimated wealth gain of ₹2,10,584.82.
Lumpsum investing works because of the power of compounding:
Your entire investment starts earning returns from day one, and those returns continue generating additional returns over time.
The earlier you invest and the longer you stay invested, the greater the impact of compounding on your overall wealth.
Lumpsum investments can outperform SIPs in strong, rising markets, but they also carry higher timing risk since the full amount is exposed to the market at once.
Year-wise Lumpsum Growth
See your estimated gains and total corpus value at the end of each year.
Swipe horizontally to view the complete investment breakdown.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| 1 | ₹1,00,000.00 | ₹12,000.00 | ₹1,12,000.00 |
| 2 | ₹1,00,000.00 | ₹25,440.00 | ₹1,25,440.00 |
| 3 | ₹1,00,000.00 | ₹40,492.80 | ₹1,40,492.80 |
| 4 | ₹1,00,000.00 | ₹57,351.94 | ₹1,57,351.94 |
| 5 | ₹1,00,000.00 | ₹76,234.17 | ₹1,76,234.17 |
| 6 | ₹1,00,000.00 | ₹97,382.27 | ₹1,97,382.27 |
| 7 | ₹1,00,000.00 | ₹1,21,068.14 | ₹2,21,068.14 |
| 8 | ₹1,00,000.00 | ₹1,47,596.32 | ₹2,47,596.32 |
| 9 | ₹1,00,000.00 | ₹1,77,307.88 | ₹2,77,307.88 |
| 10 | ₹1,00,000.00 | ₹2,10,584.82 | ₹3,10,584.82 |
Frequently Asked Questions
Common questions on lumpsum returns, market risk, lumpsum vs. SIP, and how mutual fund compounding actually works.
Disclaimer
Results are estimates for informational purposes only and may differ from actual values. Do not make financial, investment, tax, or legal decisions based solely on these results. Verify important calculations with official sources or a qualified professional. CalcMint is not liable for any loss or damage resulting from the use of this calculator.
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