Harvest money in hand? Put it to work.Lumpsum calculator: what a one-time investment could grow to.

How to use the lumpsum calculator

1. Enter the amount you want to invest at once, from ₹10,000 to ₹1 crore.
2. Choose how many years you plan to leave it invested.
3. Pick an expected return a year. Try two or three rates to see a range.

How to read your result

The result shows your amount invested, the estimated returns and the total value at the end of the period. For example, ₹1,00,000 left for 10 years at an assumed 10% a year comes to about ₹2.59 lakh.

Real markets don’t move in a straight line. The value of a lumpsum can go up and down, sometimes sharply in the short term. A longer time gives it room to recover from falls, which is why a lumpsum suits money you won’t need for several years.

Not sure whether to invest it all at once or bit by bit? Many people spread a large amount over a few months instead. We explain how that works on our mutual funds and SIP page and in a meeting.

How the lumpsum calculator works

A one-time amount grows by compounding: each year’s growth is added to the amount and then earns growth itself. P is the amount you invest, r is the yearly rate (12% is 0.12), t is the number of years, and A is the estimated value at the end.

A = P × (1 + r)^t