Lumpsum calculator
What one investment becomes if it is left alone — and how much of the end figure is growth.
The maths
How this is calculated.
A single investment compounds once per period, so its future value is the principal multiplied by the growth factor raised to the number of years.
FV = P × (1 + r)ᵗ
Where P is the amount invested, r is the annual rate and t is the number of years. Unlike a SIP there is no series to sum: every rupee is invested on day one and earns for the whole period, which is why a lumpsum beats the same total paid in monthly at the same rate.
What it assumes. A constant annual rate, compounded yearly. No tax, no exit load, and no withdrawals along the way.
Worked example
₹ 5,00,000 for ten years.
At an assumed 12 % a year, ₹ 5,00,000 left for ten years reaches roughly ₹ 15,52,924. Just over two thirds of the closing figure is growth rather than the original amount.
The same ₹ 5,00,000 paid in as ₹ 50,000 a year over ten years reaches about ₹ 9,82,000 — meaningfully less at an identical rate, because most of the money spent most of the decade not yet invested. That gap is what people mean when they say time in the market beats timing it.
Questions about this calculator.
Lumpsum or SIP — which is better?
At a constant rate a lumpsum always wins, because every rupee compounds for longer. Reality is not constant: a lumpsum invested just before a fall takes years to recover, and a SIP through the same fall buys more units cheaply. The honest answer is that a lumpsum has the higher expected outcome and the wider range of them.
Does this compound annually or monthly?
Annually. Monthly compounding at the same nominal rate gives a slightly higher figure — about 0.7 % more over ten years at 12 % — because the growth itself starts earning sooner. Fund returns are usually quoted annualised, so annual compounding is the fairer comparison.
Does it account for tax?
No. The figure is pre-tax and ignores exit loads. For what a redemption would actually cost you, the capital gains calculator applies the current rates.
Is my input sent anywhere?
No. The calculation runs in your browser. Nothing is submitted, stored or logged, and there is no email field on this page for exactly that reason.
From the team behind Finvica — the operating platform for multi-product wealth practices. See the platform