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Lumpsum Calculator

Enter the amount, the annual return you expect and how long you will stay invested. Add an inflation rate to see the result in today's money — the figure that tells you what the money will actually buy.

An assumption, not a promise

Shows the result in today's money

Enter an amount, an expected return and a period to see the estimated value.

How to use this tool

  1. Enter the amount you are investing once.
  2. Enter the annual return you expect. For market investments this is an assumption, not a promise; try a few rates.
  3. Enter the number of years.
  4. Optionally enter an inflation rate to see the value in today's money.

Formula and method

Future value

FV = P × (1 + r)^t

Returns compound once a year, matching how fund performance is quoted as an annualised return (CAGR).

In today's money

Real value = FV ÷ (1 + inflation)^t

Worked examples

₹1 lakh for 10 years at 12%

  1. 1.12^10 = 3.1058
  2. 1,00,000 × 3.1058 = ₹3,10,585

About ₹3.1 lakh — ₹2.1 lakh of estimated returns.

The same, with 6% inflation

  1. 1.06^10 = 1.7908
  2. 3,10,585 ÷ 1.7908 = ₹1,73,429

About ₹1.73 lakh in today's money — the real gain is far smaller than the headline.

Notes and limitations

  • Mutual fund investments are subject to market risks. Real returns vary year to year and can be negative; the result shows what a steady average return would produce.
  • Figures are before tax, exit loads and fund expenses. Enter a return net of the expense ratio for a closer estimate.
  • Inflation is also assumed constant, though in practice it rises and falls from year to year.

Frequently asked questions

Is lumpsum better than SIP?

In a market that rises steadily, a lump sum invested at once earns more, because all of it is invested for longer. An SIP spreads the entry point and suits investing from income. The choice usually depends on whether you have the money now.

What return should I assume?

There is no reliable figure. Try a range — a conservative, a middle and an optimistic rate — rather than relying on one fund's recent history.

Why show the result after inflation?

Because ₹3 lakh in ten years will buy less than ₹3 lakh today. The inflation-adjusted figure is the one that answers whether the investment will meet a goal.

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