Lumpsum Calculator

Future value of a one-time investment in a mutual fund or any asset at an expected annual return.

Future value
—
Amount invested—
Estimated gains—

How to use the Lumpsum calculator

  1. Enter investment, expected return and period.
  2. Read the future value at the top of the result, with amount invested, estimated gains underneath. It updates as you type.
  3. Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.

About this tool

A lump sum compounds on the full amount from day one, which helps over long periods but exposes all of it to the market's timing.

Formula: FV = P × (1 + r)^t

Worked example

With investment of ₹5,00,000, expected return of 12% and period of 10 years:

Future value₹15,52,924
Amount invested₹5,00,000
Estimated gains₹10,52,924

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

Is lumpsum better than SIP?

With the same amount available today and rising markets, a lump sum ends higher. A SIP spreads timing risk and suits monthly income.

How is lumpsum return calculated?

FV = P × (1 + r)t, compounding yearly at the expected return.