Lumpsum — Free Online Calculator
One-time investment. Free lumpsum with instant results.
Last updated: 2026-06-01
Investment Details
5.00 Lakh
Rule of 72: At 12% return, your money doubles in approximately 6.0 years.
Investment Summary
Future Value
₹15,52,924
₹15.53 L after 10 years
Principal
₹5,00,000
Your investment
Total Gain
₹10,52,924
Wealth created
CAGR
12.00%
Multiplier
3.11x
Total Return
211%
Your ₹5,00,000 investment grows to ₹15.53 L — that's 3.1x your initial investment!
Wealth Growth Projection
| Year | Principal | Cumulative Gain | Total Value | Growth % |
|---|---|---|---|---|
| Year 1 | ₹5,00,000 | ₹60,000 | ₹5,60,000 | 12.0% |
| Year 2 | ₹5,00,000 | ₹1,27,200 | ₹6,27,200 | 25.4% |
| Year 3 | ₹5,00,000 | ₹2,02,464 | ₹7,02,464 | 40.5% |
| Year 4 | ₹5,00,000 | ₹2,86,760 | ₹7,86,760 | 57.4% |
| Year 5 | ₹5,00,000 | ₹3,81,171 | ₹8,81,171 | 76.2% |
| Year 6 | ₹5,00,000 | ₹4,86,911 | ₹9,86,911 | 97.4% |
| Year 7 | ₹5,00,000 | ₹6,05,341 | ₹11,05,341 | 121.1% |
| Year 8 | ₹5,00,000 | ₹7,37,982 | ₹12,37,982 | 147.6% |
| Year 9 | ₹5,00,000 | ₹8,86,539 | ₹13,86,539 | 177.3% |
| Year 10 | ₹5,00,000 | ₹10,52,924 | ₹15,52,924 | 210.6% |
Lumpsum vs SIP: When to Choose What
Choose Lumpsum When:
- • You have a large sum available (bonus, inheritance, etc.)
- • Markets are at relatively lower levels
- • You have a long investment horizon (5+ years)
- • You're comfortable with short-term volatility
Choose SIP When:
- • You have regular income but no large savings
- • Markets are at all-time highs (rupee cost averaging helps)
- • You want to build discipline in investing
- • You're risk-averse and want to average out costs
Where to Invest Lumpsum
Equity Mutual Funds
High risk, high returns, 5+ years
10-15%
historical
Debt Mutual Funds
Low-medium risk, 3+ years
6-8%
expected
Fixed Deposits
Very low risk, guaranteed
6-7.5%
current rates
Index Funds
Market returns, low cost
10-12%
Nifty 50 avg
Tax Tip: Hold equity investments for 1+ year to qualify for long-term capital gains (LTCG) with ₹1 lakh exemption and 10% tax rate.
Have Regular Income Instead?
If you don't have a lumpsum but want to invest regularly from your salary, try our SIP Calculator to plan monthly investments.
Data sources
Rates and thresholds on this page are based on official publications. Verify against the source for your specific circumstances.
- U.S. SEC — Investor.gov — verified 2026-06-01 · Time value of money / regular contribution formulas
Results are estimates for planning purposes only. Verify important financial or health decisions with a qualified professional.