Lumpsum Investment Calculator

Calculate how much a one-time investment could grow to at an expected annual return over any number of years.

%
years
Estimated value
310,584.82
Amount invested
100,000.00
Estimated gains
210,584.82
Growth multiple
3.11×

Formula

FV = P × (1 + r)^n, where P is the amount invested, r is the annual return and n is the number of years.

About this calculator

A lumpsum investment is a single deposit left to compound. The calculator applies annual compounding, the convention used for mutual fund and stock return projections. Results are estimates for education and planning. They are not financial advice, and real returns are never guaranteed.

Amounts are shown without a currency symbol, so the calculator works for any currency: enter all values in the same one.

Frequently asked questions

Lumpsum or SIP: which is better?

A lumpsum has more time in the market, so it wins if prices rise steadily. A SIP spreads purchases and lowers the risk of investing everything just before a fall. Many investors use both.

How is this different from compound interest?

It is the same mathematics with yearly compounding. Use the compound interest calculator if you need monthly or daily compounding or regular top-ups.

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