How to use the lumpsum calculator
- Enter the amount you are investing once.
- Choose an expected yearly return.
- Set the number of years.
- Read the future value, returns and doubling time.
Lumpsum formula
FV = P × (1 + r)t
What ₹1 lakh grows to
| Period | At 8% | At 10% | At 12% |
|---|---|---|---|
| 5 years | ₹1,46,933 | ₹1,61,051 | ₹1,76,234 |
| 10 years | ₹2,15,892 | ₹2,59,374 | ₹3,10,585 |
| 15 years | ₹3,17,217 | ₹4,17,725 | ₹5,47,357 |
| 20 years | ₹4,66,096 | ₹6,72,750 | ₹9,64,629 |
| 25 years | ₹6,84,848 | ₹10,83,471 | ₹17,00,006 |
Frequently asked questions
How is lumpsum return calculated?
Future value = P × (1 + r)^t, where P is the amount invested, r is the yearly return as a decimal and t is the number of years.
How long does it take to double my money?
Divide 72 by the yearly return: at 12% money doubles in about 6 years, at 8% in about 9 years. The calculator shows the exact figure.
Is lumpsum or SIP better?
With steady growth, a lumpsum invested at the start earns more because all of it compounds for longer. A SIP lowers the risk of investing everything just before a fall. A middle path is to invest a lumpsum through a systematic transfer plan over a few months.
Are the returns guaranteed?
No. For market-linked investments the result depends on actual returns, which vary year to year. Use a conservative long-term average.