FINBIZTOOLS
Lumpsum Calculator
Estimate compound growth of a one-time investment.
Private by design · Inputs and downloads stay in your browser
This calculator provides an estimate based on the assumptions entered and does not guarantee investment returns.
How it works
Enter a single initial investment, an effective annual return and a duration. Fractional years and negative assumed returns greater than −100% are supported. The table includes each completed year and the exact final duration.
Formula
Future value = initial investment × (1 + annual return / 100)^years. Estimated returns or total profit = future value − initial investment. There are no intermediate deposits or withdrawals.
Example
A one-time investment of ₹1,00,000 at an assumed 10% effective annual return for 5 years becomes ₹1,61,051, including ₹61,051 estimated growth. At 0%, it stays ₹1,00,000.
Assumptions
Compounding uses an effective annual rate. Fractional years use exponential growth, not a bank-specific day-count convention. Fees, taxes and inflation are excluded.
Frequently asked questions
Can the assumed return be negative?
Yes. A rate between −99% and 100% is supported; a negative rate reduces the investment value.
Does this include recurring deposits?
No. Use SIP or Step-Up SIP for recurring monthly contributions.
Related tools
Disclaimer
This calculator provides an estimate based on the assumptions entered and does not guarantee investment returns. Results are informational, not financial, lending, tax or legal advice. Verify important decisions with a qualified professional. See our Disclaimer.