Home · Tools · Lumpsum Calculator
Savings & investing
Lumpsum Calculator
See what a one-time investment could grow to. Enter the amount, an expected annual return and the duration, and the calculator compounds it to show the future value and your gains.
Your investment
₹
Future value—
Amount invested—
Estimated gains—
Growth multiple—
Year-by-year growth
All amounts in ₹.
| Year | Value | Gain so far |
|---|
How it's calculated
The amount compounds annually at your expected rate: each year's closing value becomes the next year's base, so growth accelerates over time. Future value equals the amount times (1 + return) to the power of the years, and the gain is everything above your original investment.
FV = amount × (1 + r)^years. Returns are assumed, not guaranteed; market values fluctuate.
Frequently asked questions
What return should I use?
Be realistic — equity funds are often modelled at 10–12% long term, debt lower. Actual returns vary year to year.
Is this inflation-adjusted?
No, it shows nominal growth. Use the inflation calculator to see real purchasing power.
Are gains taxed?
Market-linked gains attract capital gains tax depending on the asset and holding period.