Lumpsum Calculator – Estimate Growth of One-time Investments
Use this lumpsum calculator to see how a single investment amount may grow over time at a chosen annual rate of return. It is useful for comparing fixed deposits, mutual fund investments and other long-term goals.
Lumpsum Investment Calculator
Estimate the future value of a one-time investment based on annual rate of return and investment horizon in years.
How the lumpsum calculator formula works
The calculator assumes that returns are compounded once per year using the standard compound interest formula for a single deposit:
FV = P × (1 + r)t
- P is your initial investment amount.
- r is the annual rate of return expressed as a decimal (for example 0.12).
- t is the number of years you stay invested.
The future value (FV) shows how large your investment might become if the assumed return is achieved every year without withdrawals. The total gain is simply FV minus your original principal. Real-world returns can be more volatile, but this model gives a useful baseline for planning and comparison.