How to use the Lumpsum Investment Calculator
- Enter the amount you will invest once.
- Enter the expected yearly return.
- Enter the number of years.
- See the future value and returns.
Lumpsum formula
Future value = P × (1 + r)n, where r is the yearly return and n the number of years.
Example: ₹1,00,000 at 12% for 10 years grows to about ₹3.11 lakh.
Rule of 72: divide 72 by the return rate to estimate how many years it takes to double your money. At 12%, money doubles in about 6 years.
Frequently asked questions
Is lumpsum better than SIP?
Lumpsum can earn more if markets rise after you invest, but SIP spreads the risk over time. Many investors use an STP to move a lumpsum into equity gradually.
These tools give estimates for general guidance and are not financial or tax advice. Rates and rules can change; check official sources before making decisions.