See how it works
Lumpsum calculator
Find out how much your one-time investment can grow to.
Change a number and watch what happens. This is a teaching tool: the answer is an illustration, not a promise.
How it works, with an example
Ravi's story
Meet Ravi. He has ₹5,00,000 to invest once today (lumpsum), and he will leave it alone for 10 years.
In all, Ravi puts in ₹5,00,000 from his own pocket.
His money grows about 10% a year, so it earns about ₹7,96,871 extra on its own.
After 10 years, Ravi's money is worth ₹12,96,871: his own ₹5,00,000 plus what it earned.
Now it is your turn. Change the numbers below to see your own plan.
- Ravi puts in
- ₹5,00,000
- His money earns
- ₹7,96,871
- Worth at the end
- ₹12,96,871
Your answer
If you invest ₹5,00,000 once today and leave it for 10 years, you can have:
Your money can grow to
₹12,96,871
after 10 years, in 2036
Worked out at an assumed return of 10% a year
- One-time amount
- ₹5,00,000
- Time
- 10 years
- Assumed return
- 10% a year
How much you gain
- Total you invest₹5,00,000
- Profit you earn₹7,96,871
| After | Total invested | Total value |
|---|---|---|
| 1 year | ₹5,00,000 | ₹5,50,000 |
| 3 years | ₹5,00,000 | ₹6,65,500 |
| 5 years | ₹5,00,000 | ₹8,05,255 |
| 8 years | ₹5,00,000 | ₹10,71,794 |
| 10 years | ₹5,00,000 | ₹12,96,871 |
Start 1 year late and your money will be worth ₹1,17,897 less in 2036. Starting early helps.
Illustration only. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
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The answer updates as you type. Open the report to see the full plan and download it as a PDF. The result is an illustration, not a promise.
Your numbers
A made-up rate for illustration, not a forecast. Real returns can be lower, or negative.
Common questions
A lumpsum means you put one amount into a mutual fund at once, for example a bonus or money that has matured. A mutual fund is a pot of money from many people, invested by experts. In the example, Ravi invests ₹5,00,000 and leaves it for 10 years.
Choose once today (lumpsum) if you already have a large amount ready and can leave it untouched. Choose every month (SIP) if you earn a monthly income. Many people split a large amount over a few months to avoid investing it all on one day.
Each year your money grows by the yearly return you entered, and the growth itself grows in the next year. In the example, ₹5,00,000 grows at 10% a year, so after 10 years it is worth about ₹12,96,871.
Enter a yearly growth rate to see an illustration. The rate is an assumption, not a forecast, and real returns can be lower or negative. The calculator stops at 12% because a very high return is risky to rely on; try a lower number too, to see a more cautious case.
No. Mutual fund returns are not guaranteed, and the value of your investment can go up or down with the market. Read all scheme related documents carefully and consider your own situation before you invest.
The value of a mutual fund can be low on the day you need the money, and some funds charge a fee for leaving early. Keep money for emergencies separate, and invest only what you can leave alone for the full time.