Lumpsum Calculator
Calculate maturity value and total gains for a one-time lumpsum investment.
Up to ₹ 10,000 crore
0.1% to 100%
1 to 100 years
Year-by-Year Breakdown
| Year | Opening (₹) | Gain (₹) | Closing (₹) |
|---|---|---|---|
| Year 1 | 1,00,000 | 12,000 | 1,12,000 |
| Year 2 | 1,12,000 | 13,440 | 1,25,440 |
| Year 3 | 1,25,440 | 15,053 | 1,40,493 |
| Year 4 | 1,40,493 | 16,859 | 1,57,352 |
| Year 5 | 1,57,352 | 18,882 | 1,76,234 |
| Year 6 | 1,76,234 | 21,148 | 1,97,382 |
| Year 7 | 1,97,382 | 23,686 | 2,21,068 |
Estimates what a one-time investment grows to at an assumed yearly return — for a mutual fund lump sum, a bonus you invest, or any sum left to compound.
Understanding the result
Maturity value is the estimated amount at the end; estimated gain is what the growth added to your investment. The return is an assumption: market-linked investments do not grow at a steady rate.
For a tenure past a year, the year-by-year breakdown shows the balance each year opens with, its gain and the closing balance. Export CSV downloads it.
How to use it
- Investment amount — the sum you invest once.
- Expected annual return — from 0.1% to 100%.
- Investment duration — in years (1 to 100) or months (1 to 1,200).
How it works
Growth compounds once a year. A duration in months is converted to years, so 18 months compounds for 1.5 years. The result is rounded to the nearest rupee.
Maturity value = P × (1 + R ÷ 100)ᵗ
P = amount, R = annual return %, t = years
Examples
₹1 lakh for 10 years at 12%
It grows to about ₹ 3,10,585, a gain of ₹ 2,10,585: the original sum multiplied 3.1 times.
What ₹1 lakh can grow to
| Return | 5 years | 10 years | 15 years | 20 years | 30 years |
|---|---|---|---|---|---|
| 6% | ₹ 1,33,823 | ₹ 1,79,085 | ₹ 2,39,656 | ₹ 3,20,714 | ₹ 5,74,349 |
| 8% | ₹ 1,46,933 | ₹ 2,15,892 | ₹ 3,17,217 | ₹ 4,66,096 | ₹ 10,06,266 |
| 10% | ₹ 1,61,051 | ₹ 2,59,374 | ₹ 4,17,725 | ₹ 6,72,750 | ₹ 17,44,940 |
| 12% | ₹ 1,76,234 | ₹ 3,10,585 | ₹ 5,47,357 | ₹ 9,64,629 | ₹ 29,95,992 |
| 15% | ₹ 2,01,136 | ₹ 4,04,556 | ₹ 8,13,706 | ₹ 16,36,654 | ₹ 66,21,177 |
See also
- SIP Calculator — to invest the same money monthly instead of at once.
- CAGR Calculator — to work out the yearly return an investment actually earned.