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Lumpsum Calculator — One-Time Investment Returns

Calculate how much your one-time investment will grow over time. See the power of compounding on a single lump sum invested in mutual funds, stocks, or any asset.

Corrected 29 August 2026. An earlier version of this page excluded target variable pay from both received cash and taxable salary, which understated income tax. Figures are recalculated under model PS-A3. What changed →

Short answer: a one-time investment grows by P × (1+r)^n. At 12% a year, ₹5 lakh becomes ₹15.53 lakh in 10 years and ₹48.23 lakh in 20 years. The whole difference between those two numbers is time, not skill.

Investment Amount
Expected Annual Return
Investment Period
Your Investment
Wealth Gained
Amount Invested—
Wealth Gained—
Total Value—
Money Multiplied—

Rates and slabs are indicative, as of August 2026

How Lumpsum Investment Works

A lumpsum investment is when you invest a single amount at once, rather than spreading it over time like a SIP. This is common when you receive a bonus, inheritance, maturity proceeds, or sell a property and want to invest the entire amount.

The formula is simple: Future Value = Principal × (1 + Rate)^Years. At 12% annual returns (long-term equity average), ₹5 lakh grows to ₹15.5 lakh in 10 years and ₹48.2 lakh in 20 years. That is the power of compounding — your money works harder the longer it stays invested.

Lumpsum vs SIP — When to Use Which

If you have a large amount available now and the market looks reasonable, lumpsum can outperform SIP because your entire amount starts compounding from day one. However, if you invest a lumpsum at a market peak, you may face short-term losses. SIP averages out the entry cost over time, reducing timing risk.

A practical approach: invest 50% as lumpsum immediately, and deploy the remaining 50% over 3-6 months via STP (Systematic Transfer Plan) from a liquid fund. This gives you the benefit of both strategies.

Quick Reference: ₹5 Lakh Lumpsum Growth

YearsAt 8%At 10%At 12%At 15%
5 years₹7.35L₹8.05L₹8.81L₹10.06L
10 years₹10.79L₹12.97L₹15.53L₹20.23L
15 years₹15.86L₹20.89L₹27.36L₹40.68L
20 years₹23.30L₹33.64L₹48.23L₹81.83L
💡 Rule of 72: Want to know when your money will double? Divide 72 by the annual return rate. At 12%, money doubles in 6 years. At 8%, it doubles in 9 years. At 15%, it doubles in under 5 years.
⚠️ Disclaimer: Mutual fund investments are subject to market risks. Past returns do not guarantee future performance. The returns used here are illustrative. Consult a SEBI-registered advisor before investing.

Related: SIP Calculator | FD Calculator | SIP Guide | ELSS vs PPF vs FD

Sources

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Written and checked by the PaisaSamajh editorial desk · Last reviewed: 24 August 2026 · How we check this →