Lump sum calculator
Enter the amount, the number of years and a return to assume.
How it is calculated
Value = amount × (1 + r)years, where r is the yearly return (CAGR). That is the same as compounding every month at the monthly equivalent rate.
Worked example
₹1 lakh at 12% a year grows to ₹3.11 lakh in 10 years and ₹9.65 lakh in 20 years.
Common questions
How is a lump sum return calculated?
Future value = amount × (1 + yearly return)^years. At 12% a year, money roughly doubles in about 6 years.
What is CAGR?
Compound annual growth rate: the steady yearly return that turns the starting amount into the ending amount over the period.
Lump sum or SIP?
If the money is already there, a lump sum has longer to grow; a SIP, or a staggered transfer from a liquid fund, reduces the risk of investing everything at a market high.
Illustrations only, not investment or tax advice. Mutual fund returns are not guaranteed and can be negative; the assumed return is yours to choose. Talk to us before acting on a tax estimate.
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