Skip to content
Finance Calculators

Lumpsum Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
10 years
1 years40 years
Verified formula Private

Maturity value

₹3,10,585

Invested amount
₹1,00,000
Estimated returns
₹2,10,585
YearValue
1₹1,12,000
2₹1,25,440
3₹1,40,493
4₹1,57,352
5₹1,76,234
6₹1,97,382
7₹2,21,068
8₹2,47,596
9₹2,77,308
10₹3,10,585
View chart data
value
1112000
2125440
3140492.8
4157351.94
5176234.17
6197382.27
7221068.14
8247596.32
9277307.88
10310584.82

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Lumpsum Calculator

The Lumpsum Calculator works out your maturity value, along with 2 related figures in an instant. Enter total investment, expected return (p.a.) and time period and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the total investment.
  2. Enter the expected return (p.a.).
  3. Set the time period.
  4. Read off your maturity value, together with invested amount and estimated returns — the calculator updates automatically, with no button to press.

Worked example

For example, with total investment of ₹100,000, expected return (p.a.) of 12% and time period of 10 years, the maturity value is ₹3,10,585.

Inputs used
Total investment ₹100,000
Expected return (p.a.) 12%
Time period 10 years
Results
Maturity value ₹3,10,585
Invested amount ₹1,00,000
Estimated returns ₹2,10,585

Results are estimates for educational use, not professional advice.

Key terms explained

Maturity
The point at which an investment or deposit ends and its full value becomes payable.
Lumpsum
A single one-time investment, as opposed to investing in regular instalments.

Frequently asked questions

A lumpsum investment is a single, one-time investment of a large amount, unlike a SIP which spreads investment across regular instalments. It suits investors with a corpus ready to deploy.

It uses compound growth: Maturity = P × (1 + r)^n, where P is the amount invested, r the annual return rate and n the number of years.

Lumpsum can outperform when markets rise steadily, while SIP averages your cost and reduces timing risk in volatile markets. The right choice depends on your cash flow and risk appetite.

No. The calculator assumes a constant annual return. Actual market returns fluctuate, so treat the figure as an estimate for planning, not a promise.

Enter the total investment. Enter the expected return (p.a.). Set the time period. Read off your maturity value, together with invested amount and estimated returns — the calculator updates automatically, with no button to press.

Related calculators