Got a bonus, a maturing FD, an inheritance, or idle savings earning 3% in a savings account? This lumpsum calculator shows exactly what one-time money becomes after compounding: enter the amount, the expected annual return, and the years, and get the future value with the growth portion clearly split from your principal.
Long tenures do astonishing things: ₹1 lakh at 12% p.a. crosses ₹9.6 lakh in twenty years without you adding a single rupee. Compare that to the same amount sitting in a savings account at ~3%. The calculator makes those endgames concrete, and works privately on your device.
Last updated: November 2026.
| Return (p.a.) | 10 years | 20 years |
|---|---|---|
| 8% | ₹2.16 lakh | ₹4.66 lakh |
| 10% | ₹2.59 lakh | ₹6.73 lakh |
| 12% | ₹3.11 lakh | ₹9.65 lakh |
| 14% | ₹3.71 lakh | ₹13.74 lakh |
It compounds: each year's growth joins the principal earning the next year's growth. ₹1 lakh at 12% becomes ₹3.11 lakh in ten years and ₹9.65 lakh in twenty — the last ten years produce nearly three times the first ten.
FV = P × (1 + r)^n — P being principal, r the periodic return rate, and n the number of periods. For annual compounding of ₹1 lakh at 12% for 10 years: ₹1,00,000 × 1.12^10 ≈ ₹3,10,585.
Statistically, when markets mostly rise, a lumpsum deployed early outgrows staggered SIPs, since the entire amount compounds sooner. SIPs reduce timing risk and suit monthly cash-flow savers. Many investors do both: SIP monthly, lumpsum on windfalls.
Subtract expected inflation (say 6%) from your return to get the real return — ₹9.65 lakh in 20 years at 6% inflation is worth roughly ₹3 lakh in today's money. The calculator can also be run directly with the inflation-adjusted rate.
As per FY 2025-26 rules: equity-oriented funds held over 12 months are long-term and gains beyond ₹1.25 lakh a year are taxed at 12.5%; short-term gains are 20%. Debt funds are taxed at slab rates. The calculator shows gross value — plan the post-tax figure separately.
Match the asset: diversified Indian equity funds 10-12% (long run), hybrid funds 8-10%, fixed deposits and debt funds at current rates (6-8% pre-tax). Be conservative for goals you cannot postpone.