Use this free lumpsum calculator to estimate the future value of a one-time mutual fund investment. Enter your investment amount, an assumed annual return and a time period to see estimated gains or losses and a year-by-year projection in Indian rupees.
Lumpsum investment calculator
One initial investment only. The default 12% is an illustration, not a forecast or recommended return.
View year-by-year projection
| Year | Invested amount | Gain / loss to date | Future value |
|---|
Amounts are rounded to the nearest rupee only for display. A fractional final year is included when needed. These are smooth mathematical projections, not predictions of annual fund performance.
Important: Actual mutual fund returns fluctuate and may be negative. No additional deposits, withdrawals, taxes, exit loads or inflation adjustment are included. Fees are not deducted separately; use a return assumption consistent with any fees already reflected in it.
Lumpsum Calculator — See What a Single Investment Could Grow Into
Illustrative example: Imagine receiving ₹8 lakh from selling a small piece of land. You could keep money accessible, consider a fixed deposit, or evaluate an investment suited to your goals. Before choosing, compare what different assumptions would mean.
The useful question is: “What if we run the numbers first?” Try ₹8 lakh over 10 years at 10%, 12% and 14%, then include a lower or negative-return scenario. These rates are hypothetical; they are not promised mutual fund returns. A calculation alone does not establish whether investing the full amount in equity is suitable.
Use the calculator above, select Calculate returns, and review the result alongside the explanation below. Keep emergency needs, investment risk and access to your money in mind.
What Is a Lumpsum Investment?
A lumpsum, also written “lump sum,” is a single investment made