How this lumpsum calculator works
Future value = investment amount × (1 + annual return)^years. Estimated gain is future value minus the original investment.
Worked example
A ₹5 lakh one-time investment held for 10 years at an assumed 12% annual return grows to an illustrative future value before taxes and fees.
Assumptions
- The entire amount is invested at the beginning.
- Returns compound annually at a constant rate.
- There are no additional deposits or withdrawals.
- The result is rounded for readability.
Limitations
- Market returns are uneven and can be negative.
- Taxes, fees, expense ratios and exit loads are excluded.
- CAGR-style growth does not show volatility.
Frequently asked questions
What is a lumpsum investment?
It is a one-time investment rather than a series of regular contributions.
How does this calculator estimate growth?
It compounds the entered amount annually at the selected rate for the chosen period.
Is the return guaranteed?
No. The rate is an editable scenario assumption.
Is lumpsum better than SIP?
That depends on available cash, timing, risk and investor behaviour; the calculator does not recommend one.
Does it include tax?
No. Tax depends on the asset and holding period.
Can I enter a negative return?
The current tool focuses on non-negative planning scenarios.
Are my inputs stored?
No. Calculations run in the browser.