Lumpsum Investment Calculator
Project the maturity value of a one-time investment using the standard compound growth formula A = P × (1 + r)^t.
1,00,000
12.00
10
Invested
₹1,00,000
Wealth gained
₹2,10,585
Maturity value
₹3,10,585
Assumes annual compounding at a constant return. Real-world fund returns vary year to year.
| Year | Invested | Gain | Value |
|---|---|---|---|
| Year 1 | ₹1,00,000 | ₹12,000 | ₹1,12,000 |
| Year 2 | ₹1,00,000 | ₹25,440 | ₹1,25,440 |
| Year 3 | ₹1,00,000 | ₹40,493 | ₹1,40,493 |
| Year 4 | ₹1,00,000 | ₹57,352 | ₹1,57,352 |
| Year 5 | ₹1,00,000 | ₹76,234 | ₹1,76,234 |
| Year 6 | ₹1,00,000 | ₹97,382 | ₹1,97,382 |
| Year 7 | ₹1,00,000 | ₹1,21,068 | ₹2,21,068 |
| Year 8 | ₹1,00,000 | ₹1,47,596 | ₹2,47,596 |
| Year 9 | ₹1,00,000 | ₹1,77,308 | ₹2,77,308 |
| Year 10 | ₹1,00,000 | ₹2,10,585 | ₹3,10,585 |
// about this calculator
A lumpsum investment is a one-time deployment of capital — into a mutual fund, equity portfolio, deposit or any other instrument. Because every rupee compounds for the full tenor, time-in-market matters more than market-timing. Even a modest return compounded for 15+ years can multiply the principal several times over. Use the slider above to see how the maturity value responds to small changes in tenor versus rate.
// frequently asked questions
A lumpsum beats a staggered SIP when markets are in a clear long-term uptrend — every rupee gets the maximum compounding window. SIPs typically beat lumpsums when markets are volatile or sideways, because cost-averaging picks up cheaper units.