The rule of 72
At 12% a year, your money doubles about every
6.1 years
Shortcut: 72 ÷ 12 ≈ 6. Over 10 yrs it grows 3.11×.
Lumpsum Calculator
Find out what a one-time investment in a mutual fund could grow into, year by year, and how it compares with investing the same money through a SIP.
5 Lakh, invested once
In line with long-run equity index returns
Until Oct 2036
Adjust for inflation
See what your money will be worth in today’s terms
Prices double about every 12 yrs
Total value in 10 yrs
₹15,52,924
- Invested
- ₹5,00,00032% of total
- Est. returns
- ₹10,52,92468% of total
Total value ₹15,52,924: ₹5,00,000 invested and ₹10,52,924 in estimated returns.
- Invested
- Returns
Make it go further
What small changes would do to your plan
The cost of waiting
Same end date, later start. Every year you wait is a year less of compounding.
Your money multiplies
- 2× · ₹10 LDec 20326 yrs 2 mos
- 3× · ₹15 LJul 20369 yrs 9 mos
- 5× · ₹25 LNext, by Jan 2041 if you keep going14 yrs 3 mos
What it’s really worth
Prices rise too. At 6% inflation, ₹15.53 L in Oct 2036 will buy about what
₹8.67 L
buys today.
What is a lumpsum calculator?
A lumpsum calculator estimates what a one-time investment in a mutual fund could be worth after a number of years. Enter the amount, the return you expect each year and how long you’ll stay invested, and it shows the estimated returns and the final value, year by year.
How to use the lumpsum calculator
- Enter the amount you plan to invest in one go.
- Set the return you expect each year and how long you’ll stay invested.
- Turn on inflation to see the result in today’s money.
- Explore the growth chart year by year, then share or download your plan.
How lumpsum returns are calculated
The whole amount is invested on day one and compounds every year until the end of the plan. Here’s the formula with your numbers plugged in:
FV = P × (1 + r)t
- P
- One-time investment₹5,00,000
- r
- Expected annual return12%
- t
- Years invested10
- FV
- Future value₹15,52,924
Both the SIP and lumpsum calculators treat the return as yearly compounded growth (CAGR), the way fund returns are quoted, so their results are directly comparable.
Lumpsum calculator examples
What a one-time investment could grow to at 12% a year:
| Invested | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹1,00,000 | ₹1.76 L | ₹3.11 L | ₹5.47 L | ₹9.65 L |
| ₹5,00,000 | ₹8.81 L | ₹15.53 L | ₹27.37 L | ₹48.23 L |
| ₹10,00,000 | ₹17.62 L | ₹31.06 L | ₹54.74 L | ₹96.46 L |
| ₹25,00,000 | ₹44.06 L | ₹77.65 L | ₹1.37 Cr | ₹2.41 Cr |
Lumpsum vs SIP
Invest ₹12 L at once and, at 12% a year, it could grow to ₹37.27 L in 10 years. Invest the same money as ₹10,000 a month and it grows to about ₹22.4 L, because each instalment has less time to compound.
So a lump sum usually comes out ahead when markets rise steadily. A SIP spreads your entry over time, which lowers the risk of investing everything just before a fall and fits a monthly income. Try both with the SIP calculator, and see the SIP calculator formula, explained for the maths behind each.
Frequently asked questions
What is a lumpsum investment?
Putting a large amount into a mutual fund in one go, rather than in monthly instalments. The whole amount starts compounding from the first day.
How are lumpsum returns calculated?
With compound growth: FV = P × (1 + r)^t, where P is the amount invested, r the annual return and t the number of years. At 12% a year, ₹1 lakh grows to about ₹3.11 lakh in 10 years.
Lumpsum or SIP: which is better?
If you already have the money and a long horizon, investing it at once gives it more time to compound, so it usually ends higher when markets rise. A SIP spreads your entry over time, which lowers the risk of investing everything just before a fall, and suits a monthly income.
How long does a lumpsum investment take to double?
Divide 72 by the annual return for a quick estimate. At 12% a year that is about 6 years; the exact figure is 6.1 years.
Are lumpsum returns guaranteed?
No. Mutual fund returns depend on the markets and vary from year to year. The calculator assumes a steady annual return, so treat its result as an estimate rather than a promise.
SIP guides
Worked examples and the maths behind the numbers. All guides