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Lumpsum Calculator

Calculate one-time investment returns based on expected CAGR

Investment Details

₹1.00 lakh
is the smoothed annual rate. Large-cap 11–13% · mid-cap 13–15% · diversified equity 12–14% · gold 8–10%, historically.
Used only to restate the result in today’s money.

A lumpsum compounds annually on the whole amount from day one, which is why it beats an equivalent SIP in a market that only rises — and loses more in one that falls first.

Estimated Future Value

₹3,10,585

Invested Amount
₹1,00,000
Total Returns
₹2,10,585
In Today’s Money
₹1,73,429

A projection on the CAGR you entered, not a promise of it.

Investment Summary

Initial investment
₹1,00,000
Investment period
10 years
Expected CAGR
12.0% p.a.
Total returns
₹2,10,585
Absolute return
210.58%
Real return at 6.0% inflation
5.66% p.a.
Value in today’s money
₹1,73,429
Future value
₹3,10,585

Composition

Initial investment₹1,00,000 · 32.2%
Returns generated₹2,10,585 · 67.8%

Same amount, longer held

After 5 years
₹1,76,234
After 10 years
₹3,10,585
After 15 years
₹5,47,357
After 20 years
₹9,64,629

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How this is calculated

Formula

FV = P × (1 + r)ⁿ

FV
= future value
P
= amount invested once, at the start
r
= expected annual return as a decimal
n
= years held

With your numbers

  1. 1Rate as a decimalr = CAGR ÷ 10012.0% ÷ 100 = 0.1200
  2. 2Growth factor(1 + r)ⁿ(1 + 0.1200)^10 = 3.1058×
  3. 3Apply it to the principalFV = P × (1 + r)ⁿ₹1,00,000 × 3.1058 = ₹3,10,585
  4. 4Separate the growthreturns = FV − P₹3,10,585 − ₹1,00,000 = ₹2,10,585
Estimated future value₹3,10,585
  • Compounding is annual. Monthly or quarterly compounding at the same nominal rate finishes slightly higher, which is why a fixed deposit quotes an effective yield as well as a rate.
  • The absolute return shown is total growth over the whole period, not per year — over 10 years at 12% the CAGR is 12% but the absolute return is about 210%.
  • Nothing here allows for inflation. At 6% inflation, money roughly halves in purchasing power every 12 years — use the inflation calculator to see this figure in today’s rupees.

What is a lumpsum investment?

A one-time investment, where you put a large amount into an instrument at once rather than in instalments.

It suits idle money you already hold — a bonus, a maturity, an inheritance — and a horizon long enough that the entry point stops mattering.

When a lumpsum fits

  • • You have surplus funds sitting idle rather than a monthly surplus
  • • The horizon is long — ten years or more
  • • You can hold through a drawdown without selling
  • • The money is not earmarked for anything inside five years

If it is a monthly surplus rather than a windfall, the SIP calculator models it properly — a lumpsum figure will flatter it.

Frequently Asked Questions

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Terms used here

Every formula, convention and source behind these calculators is written down. Read the methodology — including what BullTimes deliberately will not do. We take no commission on anything, and recommend nothing.