Lumpsum Calculator
Calculate one-time investment returns based on expected CAGR
Estimated Future Value
₹3,10,585
- Invested Amount
- ₹1,00,000
- Total Returns
- ₹2,10,585
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%
- Future value
- ₹3,10,585
Composition
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
- 1Rate as a decimalr = CAGR ÷ 10012.0% ÷ 100 = 0.1200
- 2Growth factor(1 + r)ⁿ(1 + 0.1200)^10 = 3.1058×
- 3Apply it to the principalFV = P × (1 + r)ⁿ₹1,00,000 × 3.1058 = ₹3,10,585
- 4Separate the growthreturns = FV − P₹3,10,585 − ₹1,00,000 = ₹2,10,585
- 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.
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