Investment planner
Lump Sum Calculator
Estimate how a one-time investment may grow over a selected period using an expected annual return.
Calculator
Calculate lump sum maturity value
Enter your investment amount, expected return, and duration.
Year-wise lump sum growth
See how your one-time investment may compound each year.
| Year | Total investment | Estimated value | Estimated gains |
|---|---|---|---|
| Your projection will appear here. | |||
Last updated: May 2026
What is this calculator?
This lump sum calculator estimates the future value of a one-time investment using your return and duration assumptions.
Formula used
Future Value = P x (1 + r)n, where P is investment amount, r is annual return, and n is years.
Example calculation
If you invest Rs. 1,00,000 for 10 years at 12%, the calculator compounds it annually to estimate maturity value.
How to use it
- Enter the one-time investment amount.
- Add expected annual return.
- Select investment duration.
- Review maturity amount, gains, and year-wise projection.
Benefits
- Estimate long-term growth from idle savings.
- Compare different return assumptions.
- Plan one-time investments for future goals.
Common mistakes
- Assuming the same return every year.
- Ignoring market timing risk.
- Forgetting taxes, charges, or exit loads.
FAQs
Is lump sum investing risky?
It can be affected by market timing, especially for market-linked products.
Is this value guaranteed?
No. It is only an estimate based on the inputs entered.
Disclaimer
Calculations are estimates for educational purposes only. Actual returns, taxes, charges, and outcomes may vary.