Lumpsum calculator
See what money invested once could be worth after a number of years.
Estimated value
₹15,52,924
- You invest
- ₹5,00,000
- Estimated gain
- ₹10,52,924
- Value ÷ invested
- 3.11×
- Invested₹5,00,00032%
- Gain₹10,52,92468%
Year by year
| Year | Invested | Gain | Value |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹60,000 | ₹5,60,000 |
| 2 | ₹5,00,000 | ₹1,27,200 | ₹6,27,200 |
| 3 | ₹5,00,000 | ₹2,02,464 | ₹7,02,464 |
| 4 | ₹5,00,000 | ₹2,86,760 | ₹7,86,760 |
| 5 | ₹5,00,000 | ₹3,81,171 | ₹8,81,171 |
| 6 | ₹5,00,000 | ₹4,86,911 | ₹9,86,911 |
| 7 | ₹5,00,000 | ₹6,05,341 | ₹11,05,341 |
| 8 | ₹5,00,000 | ₹7,37,982 | ₹12,37,982 |
| 9 | ₹5,00,000 | ₹8,86,539 | ₹13,86,539 |
| 10 | ₹5,00,000 | ₹10,52,924 | ₹15,52,924 |
How it's worked out
The whole amount starts compounding on day one, and the return is applied once a year. Comparing this with the SIP calculator shows how much of a SIP's result comes from time in the market.
The formulaValue = P × (1 + r)ᵗ, where P is the amount invested, r is the yearly return and t is the number of years.
Common questions
Lumpsum or SIP?
With the same total and a steady return, a lumpsum ends higher because all of it is invested for longer. A SIP suits money that arrives monthly, and it spreads the price you pay over time.
Does the result allow for inflation?
No. To see the value in today's money, enter the return minus your expected inflation rate.
More investing calculators
All calculatorsIllustrative figures only, from the numbers you enter and the assumptions stated above. Rates and rules change, so check them with the provider or a qualified adviser before acting. Arthscan is not a SEBI-registered research analyst or investment adviser, and nothing here is investment advice.