Lumpsum calculator
Last updated
Your investment
- Amount
- ₹1,00,000
- Period
- 10 years
- Rate
- 12% a year
₹500 to ₹100 crore
Any rate from 1% to 30%
1 to 40 years
Your result
Default inputs filled inHow it grows, year by year
Value at the end of each year- Amount invested
- Growth
| After | Invested | Value | Gain |
|---|---|---|---|
| 5 years | ₹1 L | ₹1.76 L | ₹76,234 |
| 10 years | ₹1 L | ₹3.11 L | ₹2.11 L |
Same ₹1 lakh, other rates
- At 8%₹2.16 L
- At 10%₹2.59 L
- At 12%₹3.11 L
- At 14%₹3.71 L
10 years, compounded yearly.
Beyond the index: test a basket built on your own rules
Pick a rule-based template or build your own in five steps, then backtest it over the same dates as the Nifty 50. Backtests are hypothetical and past results don't predict future ones.
What is a lumpsum investment?
A lumpsum is money you invest in one go, such as a bonus or the proceeds of a sale, instead of spreading it over months. The whole amount starts compounding from day one, so the result depends heavily on the return over the full period, and on the market level when you started.
How the lumpsum calculator works
In rate mode, your amount grows at the yearly rate you choose, compounded once a year. In Nifty 50 mode, it grows by the change in the Nifty 50 Total Return Index between your two dates. With ₹1,00,000 at 12% a year for 10 years, the result is about ₹3,10,585.
Future value = amount × (1 + yearly return)years · Nifty mode: amount × (index on end date ÷ index on start date)
The SIP option invests a fixed amount at the start of every month. Each month's rate is the effective monthly rate, (1 + yearly rate)1/12 − 1, so twelve months compound to exactly the yearly rate you entered. ₹10,000 a month at 12% for 10 years comes to about ₹22,40,359 on ₹12 lakh invested. Many calculators divide the yearly rate by 12 instead, which gives about ₹23,23,391 for the same inputs, a little higher because it compounds to more than the stated rate.
SIP: m = (1 + R)1/12 − 1; every month, value = (value + instalment) × (1 + m)
Nifty 50 history mode
Pick a start and an end date to see what actually happened. A lumpsum buys on the start date and is valued on the end date; if either is a market holiday, the previous trading day is used. The return is shown as CAGR. For a SIP, each instalment buys on the first trading day on or after its monthly date, and the return is shown as XIRR, the yearly rate that accounts for each instalment's own date. Periods under a year show the plain return over the period.
Index figures follow a low-cost index fund that tracks the index, so they include its small yearly cost (about 0.2 to 0.5%). Here that fund is the ICICI Prudential Nifty 50 Index Fund, with history from 3 Apr 2006. Results exclude tax. For example, ₹1,00,000 put in the Nifty 50 on 28 Oct 2016 was worth about ₹2.9 lakh on 30 Oct 2026, a CAGR of 11.2% a year.
Lumpsum vs SIP
| Aspect | Lumpsum | SIP |
|---|---|---|
| How you invest | All at once | A fixed amount every month |
| Time in the market | Full amount from day one | Builds up over the period |
| Entry price | One market level | Averaged across many levels |
| Suits | Money you already have | Money you earn over time |
To go beyond a single index, the strategy builder backtests a rule-based basket over the same dates. Backtests are hypothetical. More calculators are on the free tools page.
Frequently Asked Questions
How does a lumpsum calculator work?
It compounds your amount at a yearly rate for the period you choose: amount × (1 + rate) to the power of years. ₹1,00,000 at 12% for 10 years comes to about ₹3,10,585. The Nifty 50 mode uses the index's actual history between two dates instead of a fixed rate.
What will ₹1 lakh become in 10 years?
It depends entirely on the return. At a steady 8% a year it would be about ₹2.16 lakh; at 10%, about ₹2.59 lakh; at 12%, about ₹3.11 lakh; at 14%, about ₹3.71 lakh. Real investments don't grow at a steady rate, so treat these as arithmetic, not expectations. For example, ₹1,00,000 put in the Nifty 50 on 28 Oct 2016 was worth about ₹2.9 lakh on 30 Oct 2026, a CAGR of 11.2% a year.
What return should I enter?
There is no right number. Use a rate you consider realistic for the asset, and try a lower one too, to see the range. Past index returns, which the Nifty 50 mode shows, are a better reference point but do not predict future returns.
Is lumpsum better than SIP?
Neither is better in every case. A lumpsum puts all the money to work at once, so it does well when markets rise after you invest and worse when they fall. A SIP spreads purchases over time. The choice usually depends on whether you have the money now or earn it over time.
What is the Nifty 50 Total Return Index?
It is the Nifty 50 with dividends added back as if reinvested. The plain Nifty 50 index only tracks prices, so it understates what an investor in those 50 companies earned. Index funds and their benchmarks use the total return version. This calculator follows the Nifty 50 TRI through a low-cost index fund, so its figures include that fund's small yearly cost.
Does the calculator include tax and fund costs?
No tax. Rate mode shows growth at exactly the rate you enter, with no costs taken off. Nifty mode follows a low-cost index fund, so it includes that fund's small yearly cost (about 0.2 to 0.5%), but an actively managed fund would charge more. Gains are taxed when you sell.
What is CAGR in a lumpsum investment?
CAGR, the compound annual growth rate, is the steady yearly rate that turns your starting amount into the final amount over the period. For a single lumpsum it is the right way to express the return; for SIPs, XIRR is used instead because money goes in at different times.
Can I calculate lumpsum returns for a specific mutual fund?
Not on this page. It uses a rate you choose or the Nifty 50 index. A fund's own returns depend on its NAV on the dates you pick, which this calculator does not read.
Do I need to share any personal details?
No. The calculator needs no login, PAN or email, and it doesn't store the amounts you enter. Your inputs sit in the page link so you can share the result.
For education only. Results at a fixed rate are illustrations based on the rate you enter; actual returns vary and are not guaranteed. Nifty 50 results show index history and exclude tax. This is not a recommendation to buy or sell any security or fund. Past performance is not indicative of future results. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.