See what a one-time investment could be worth after a number of years.
Estimated value
Amount invested
Estimated returns
Invested 32%
Returns 68%
Value year by year
Year
Estimated value
1
₹1,12,000
2
₹1,25,440
3
₹1,40,493
4
₹1,57,352
5
₹1,76,234
6
₹1,97,382
7
₹2,21,068
8
₹2,47,596
9
₹2,77,308
10
₹3,10,585
A lumpsum investment is money you invest once, such as a bonus, an inheritance or the proceeds of a sale, and then leave to grow. This calculator shows its estimated value after a chosen number of years, assuming returns compound once a year.
Example
₹1 lakh invested at an assumed 12% a year grows to about ₹3.11 lakh in 10 years.
₹5 lakh at 10% a year for 15 years grows to about ₹20.89 lakh, more than four times the original amount.
Things to keep in mind
The expected return is an assumption. Equity markets do not rise in a straight line, and the value can be lower than the amount invested in some years.
If you are worried about investing everything at a market high, you can spread the money over a few months using a systematic transfer plan (STP).
Inflation reduces what the final amount can buy. At 5% inflation, prices roughly double in about 14 years.
How this is calculated
FV = P × (1 + r)t
P is the amount invested, r is the expected annual return (as a decimal) and t is the number of years.
Assumptions
Returns compound once a year at a constant rate. Real market returns vary from year to year.
Rules and formula last verified: 12 October 2026
Frequently asked questions
What return should I assume?
Use a conservative figure and test a range. For long-term equity investments many planners use 10% to 12%; for debt investments, lower. Past returns do not guarantee future returns.
How is this different from a SIP?
A lumpsum is invested once; a SIP invests a fixed amount every month. Use the SIP calculator for monthly investments.
Results are estimates for information only, based on the inputs and assumptions shown. They are not financial, tax or legal advice. Banks, fund houses and the tax department may calculate actual amounts differently.
