📈 Investment
Lumpsum Calculator
Calculate the future value of a one-time investment. See how a lumpsum amount grows over time at your expected rate of return.
Investment Details
₹1K₹1 Cr
1%30%
1 yr40 yrs
Maturity Value
₹--
future value
Amount Invested--
Wealth Gained--
Absolute Return--
Money Doubles In--
Invested vs Gains
Invested
Gains
Formula
FV = P × (1 + r)n
P = Principal (one-time investment) r = Annual rate ÷ 100 n = Years
Rule of 72: Years to double = 72 ÷ Annual Return%
P = Principal (one-time investment) r = Annual rate ÷ 100 n = Years
Rule of 72: Years to double = 72 ÷ Annual Return%
Lumpsum investments benefit from the full compounding period from day one, unlike SIP where each installment has a different compounding period.
Year-wise Growth
| Year | Value | Gain | Growth % |
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Frequently Asked Questions
If markets are at a low, lumpsum delivers higher returns. If markets are high or volatile, SIP averages your cost over time (rupee-cost averaging). Most advisors recommend SIP for salaried individuals and lumpsum when you receive a windfall.
Divide 72 by the annual return rate to estimate how many years it takes for money to double. At 12% return, ₹1 lakh doubles in 6 years (72÷12). At 8%, it takes 9 years.
Yes. Equity fund gains over 1 year: 10% LTCG above ₹1L per year. Under 1 year: 15% STCG. Debt fund gains: taxed at your income tax slab rate as per latest budget rules.