Lumpsum Calculator
Calculate how a one-time lumpsum investment grows over time using compound interest. Ideal for estimating returns from mutual funds, stocks, or any bulk investment.
Investment Details
Investment Amount₹1,00,000
Expected Annual Return12%
Investment Period10 yr
Inflation Rate (optional)6%
Principal vs Returns
Total Value
—
Principal
Returns
Principal Invested
—
Returns Earned
—
Total Corpus
—
Wealth Multiple
—
Real Value (Infl-adj)
—
📅 Year-wise Growth Projection
| Year | Value | Gain | Total Return % | Real Value (Inflation-adj) |
|---|
Lumpsum Formula
FV = P × (1 + r)ⁿ
Real Value = FV ÷ (1 + inflation_rate)ⁿ
P = Principal invested | r = Annual return rate / 100 | n = Number of years | Real value adjusts for inflation to show purchasing power.
💡 Example Scenarios
Mutual Fund
Equity Fund Investment
Invest ₹1 lakh in an equity mutual fund. Historical equity returns have been ~12% over long periods.
₹1L lumpsum12% return10 years
Large Cap Stocks
Blue-Chip Stock Portfolio
₹5 lakh invested in large-cap stocks for 15 years. Quality businesses compound wealth significantly.
₹5L lumpsum15% return15 years
Wealth Creation
Long-term Equity Wealth
See how ₹10 lakh grows at 14% over 20 years. Patience and compounding — the investor's edge.
₹10L lumpsum14% return20 years
📖 How to Use
1
Enter Your Investment Amount
Input the lumpsum amount you plan to invest today. This is a one-time investment — no additional contributions are assumed.
2
Set Return Rate and Duration
Choose a realistic annual return rate based on your investment vehicle. Equity mutual funds: 12–15%, Index funds: 10–12%, Debt funds: 6–8%, FDs: 6–7%.
3
Check Inflation-Adjusted Returns
The "Real Value" column in the table shows your actual purchasing power after accounting for inflation. This helps you understand how much of your returns are genuine vs inflation compensation.