Lumpsum Calculator
A single amount, invested once and left to compound. See what it grows into over the years — in lakh and crore, not just zeroes.
Your investment
Returns are assumed to compound once a year on the whole amount.
At maturity
Year-by-year ledger
Crore crossings in green| Year | Growth so far | Corpus | In crore |
|---|
How lumpsum growth is calculated
The future value of a one-time investment is FV = P × (1+r)ⁿ, where P is the amount you invest today, r the annual rate of return (as a decimal) and n the number of years. Every year's gain earns its own return the following year — that compounding is what makes the later years grow so much faster than the first.
A handy shortcut is the rule of 72: divide 72 by your return to estimate the doubling time. At 12% money roughly doubles every six years, so ₹5 lakh becomes about ₹10 lakh in six years and about ₹15.5 lakh in ten.
Lumpsum questions
How long will my lumpsum take to double?
Use the rule of 72: divide 72 by your expected return. At 12% p.a. money doubles in about 6 years, at 8% in about 9 years, and at 15% in under 5 years.
Is a lumpsum better than a SIP?
They suit different situations. A lumpsum puts money you already have to work immediately; a SIP suits money that arrives monthly and averages out market timing. Compare with the SIP calculator.
What does ₹5 lakh become in 10 years at 12%?
About ₹15.5 lakh — roughly triple the amount, of which ₹10.5 lakh is pure growth. At 10% it is about ₹12.97 lakh; at 14% about ₹18.5 lakh.