Lumpsum calculator
Grow a one-time investment over time.
Quick answer
A lumpsum calculator shows how a one-time investment grows at a given annual return over a chosen period. Enter the principal, expected return, and years to see the future value — useful for bonuses, windfalls, or maturing FDs.
It becomes
₹1,00,000 invested once, left alone for 10 years.
- You invest
- ₹1,00,000
- Growth on top
- ₹2,10,585
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
A lumpsum invests a one-time amount and lets it compound. Use it for windfalls — a bonus, gift, or maturing FD — that you won't need for years.
How it's calculated
Future value = principal × (1 + r)ⁿ, compounded annually at your expected return over the chosen years.
Common questions
- Should I invest a lumpsum all at once?
- For debt or over long horizons, yes. For a large equity amount when markets feel high, some people spread it over 3–6 months via an STP to reduce timing risk — the difference is usually small over a decade.
Jargon, explained
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.