Lumpsum Investment Calculator
See what a one-time investment grows to at a given annual return over any number of years, with the power of compounding shown.
Maturity value
—
Total gains —
Growth multiple —
Amounts in your own currency. Assumes a constant annual return; real returns vary.
✉ Email me this result
</> Embed this calculator
Paste this into any website or blog post. It is free — the small "powered by" link must stay visible.
How it works
FV = P × (1 + r)ⁿFrequently Asked Questions
How does a lumpsum investment grow?
It compounds annually: ₹5,00,000 at 12% for 10 years becomes about ₹15,52,900 — more than tripling without you adding a rupee, because each year's growth earns growth of its own.
Lumpsum or SIP — which gives higher returns?
In a market that rises steadily, lumpsum wins because all your money is invested from day one. In a volatile or falling-then-rising market, SIP's averaging often does better. Risk tolerance and timing decide it.
Should I invest a windfall all at once?
Investing immediately has historically beaten spreading it out, on average — but staggering entry over a few months reduces regret if the market drops right after. There's no universally correct answer.