ToolFoxLumpsum Calculator
Estimate the future value of a one-time mutual fund or investment lumpsum at an assumed annual return.
- Future value
- ₹3,10,585
- Gains
- ₹2,10,585
- Invested amount
- ₹1,00,000
How it works
A lumpsum investment is put in once and left to grow at a constant assumed annual return: FV = P × (1 + r ÷ 100)^t, where P is the amount invested, r the expected annual return as a percentage, and t the number of years. Unlike a SIP, there are no further instalments — the entire compounding effect comes from time and rate alone.
Example
Investing ₹1,00,000 once at an assumed 12% annual return for 10 years grows to about ₹3,10,584.82 — ₹2,10,584.82 of that is gains, more than double the original investment, purely from compounding.
Frequently asked questions
How is this different from the SIP Calculator?
SIP models a fixed amount invested every month; Lumpsum models a single investment made once and left untouched — use whichever matches how you actually invest.
Is the return rate guaranteed?
No — it is an assumed constant rate for planning purposes. Actual mutual fund or equity returns vary year to year and can be negative in some years.
Does this account for taxes or exit load?
No — the result is the pre-tax future value only; capital-gains tax and any exit load apply separately when you redeem.
What return rate should I use?
A conservative, historically grounded figure — long-run Indian equity index returns have averaged roughly 11–13% a year, debt funds noticeably less.
Related tools
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