How to use the lumpsum calculator
- Enter the amount you invest once.
- Enter an expected yearly return; this is an assumption, not a promise.
- Choose the number of years.
- Read the estimated value, gains and the value in today’s money after inflation.
Formula we use
FV = P × (1 + r)ⁿ · today’s value = FV ÷ (1 + inflation)ⁿ
Frequently asked questions
How is lumpsum return calculated?
Future value = amount × (1 + r)^years, where r is your assumed yearly return. The calculator also shows the value in today’s money after inflation.
How much will ₹5 lakh become in 15 years?
At an assumed 12% a year, about ₹27.4 lakh. At 10 years, about ₹15.5 lakh. These are illustrations, not guaranteed returns.
Lumpsum or SIP: which is better?
It depends on when you have the money and your comfort with market ups and downs. A lumpsum is fully invested from day one; a SIP spreads purchases over time. This site does not recommend either; it only shows the maths.
Is the expected return guaranteed?
No. Mutual fund returns are market-linked and can be negative in some years.
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Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Last updated 2026-11-09.