Tools
Lumpsum Calculator
What a one-time investment grows to at a given annual return, year by year.
Inputs
Invested
₹1,00,000
Estimated returns
₹2,10,585
Maturity value
₹3,10,585
Money grows 3.11× over 10 years at 12% compounded yearly.
View year-by-year growth
| Year | Returns so far | Value |
|---|---|---|
| 1 | ₹12,000 | ₹1,12,000 |
| 2 | ₹25,440 | ₹1,25,440 |
| 3 | ₹40,493 | ₹1,40,493 |
| 4 | ₹57,352 | ₹1,57,352 |
| 5 | ₹76,234 | ₹1,76,234 |
| 6 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹2,10,585 | ₹3,10,585 |
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or message us on WhatsApp instead →Frequently asked
How is the maturity value calculated?+
Future value = amount × (1 + r)^years, where r is the expected annual return. This is annual compounding, which is how mutual fund returns are quoted as CAGR. Fractional years are allowed, so 2.5 years works.
What return should I assume?+
Use a figure you can defend, not the best year you remember. Long-run equity assumptions of 10 to 12% and debt assumptions of 6 to 7% are common; a fixed deposit at the bank rate is the safe comparison. The result is only as good as the rate you enter.
How is a one-time investment taxed in FY 2026-27?+
Equity funds and listed shares: gains after 12 months are long-term, taxed at 12.5% above ₹1,25,000 a year; earlier than that, 20%. Debt funds bought after 1 April 2023 are taxed at your slab rate whatever the holding period. Our capital gains calculator gives the exact tax.
Does this account for inflation?+
No. It shows nominal growth. To see purchasing power, subtract expected inflation from the return: at a 12% return and 6% inflation the real growth is roughly 6% a year, so enter 6% to see the inflation-adjusted figure.
Should I invest a lumpsum at once or spread it out?+
Investing at once earns for the full period, which wins if markets rise. Spreading it as a SIP over 6 to 12 months reduces the risk of buying at a peak. For money you need within three years, a fixed deposit or debt fund is usually more appropriate than equity either way.
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