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About this tool
Calculate the future value of your one-time lumpsum investment with compound growth projections and detailed year-by-year breakdown.
Lumpsum Investment Calculator projects what a single one-time investment grows to using the annual compounding formula FV = P × (1 + r)^n, where P is the amount invested, r the expected annual return and n the number of years. It returns the maturity value alongside a year-by-year table separating your original capital from accumulated gains, so you can see the year the returns overtake the principal. It is for anyone deciding what to do with a bonus, a maturing deposit or sale proceeds and wanting the arithmetic before the pitch.
Open Lumpsum Investment Calculator on AltFTool — it loads instantly in your browser.
Enter the Lumpsum Investment Amount in ₹, the Expected Return Rate (% p.a.) and the Investment Period (Years), up to 100 whole years.
Press Calculate to compound the principal annually — the panel returns Future Value and Total Interest Earned.
Open Year-by-Year Breakdown for the Year, Invested, Interest and Balance columns and find the year gains overtake the capital.
The year-by-year table splits invested capital from accumulated returns, so compounding stops being abstract and you can see when it takes over.
The return rate is your input, not a promise — change it by two points and the projection changes, which is exactly the sensitivity test people skip.
It compounds a single principal annually rather than modelling monthly contributions, which is the correct model for a bonus, a windfall or a rolled-over deposit.
Use FV = P × (1 + r)^n. A one-time ₹1,00,000 at 12% a year for 10 years gives ₹1,00,000 × 1.12^10 = about ₹3,10,585, of which ₹2,10,585 is gain. Extend the same investment to 20 years and it reaches roughly ₹9,64,629.
Use a rate that matches the instrument, not a hopeful one. Bank fixed deposits and debt instruments typically sit in the single digits, while long-run equity assumptions of 10-12% are common but not guaranteed and can be negative over short periods. Run the projection twice, at an optimistic and a conservative rate, and plan around the lower figure.
It depends on when you invest. A lumpsum puts the whole amount to work immediately, which wins when markets rise from the point of entry but exposes you fully to a fall right after. A SIP averages your entry price over time, which suits money arriving monthly — the choice is usually decided by how the money arrives, not by forecasting.
No. The result is a gross nominal figure — it excludes capital gains tax, exit loads, expense ratios and inflation, all of which reduce what you actually keep. This is an informational calculation, not investment advice; a registered financial adviser can tell you how it applies to your own tax position.
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