Estimate how a one-time investment could grow over time using an assumed return. Compare scenarios and distinguish your invested principal from projected growth.
How to use the Lump Sum Investment calculator
Use this calculator to explore a single investment held over time. It is useful for a one-time savings contribution or comparing an amount already available for a goal.
- Investment amount
- Enter the one-time principal, rather than a monthly contribution.
- Expected annual return
- Enter an effective annual assumption. Negative values model a steady decline; they are not a market forecast.
- Investment period
- Choose a whole number of years from 1 to 100.
Select Calculate, review the result and its breakdown, then change one input at a time to compare scenarios.
Formula and calculation method
The model compounds the initial amount once per year at the effective annual rate. P is principal, R is the annual percentage divided by 100 and t is years. A zero return leaves the balance equal to principal.
See the numbers in context
₹5,00,000 invested for 10 years at an assumed 12% annual return grows to about ₹15,52,924. Principal is ₹5,00,000 and projected gain is ₹10,52,924 before taxes, charges and inflation.
Illustrative inputs · rounded to the nearest rupeeWhat your result means
The result includes the invested principal. Gain or loss is the difference from your starting amount. The chart and table show a smooth hypothetical path, not the fluctuations of an actual investment.
Scenarios worth comparing
- Compare a conservative return assumption with your main scenario.
- Compare different investment periods while holding the amount and rate constant.
Assumptions and limitations
- The entered rate is effective annual growth, unlike calculators that divide a nominal rate by 12.
- There are no further contributions, withdrawals or changing returns.
- Taxes, expenses, exit loads and inflation are excluded.
- A positive projection does not guarantee an investment return or capital protection.
Frequently asked questions
Is this the same as an SIP?
No. A lump sum is invested once; a SIP adds contributions regularly. The timing of invested amounts changes growth.
Can I model a loss?
Yes. Enter a negative annual rate above −100%. The model assumes that same decline each year.
Why can this differ from a fund’s performance?
Actual returns vary over time and may be affected by costs and taxes. This is a constant-rate illustration.
Educational estimates only. Verify inputs, applicable rules and product terms before making decisions. Read the disclaimer.