Lump sum calculator
Explore the potential of a one-time investment.
Estimated future value
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Explore how a one-time rupee investment could grow over a chosen period. This tool separates the initial capital from growth under an assumed constant annual return compounded monthly.
Long horizons amplify both return assumptions and uncertainty. Compare several plausible assumptions rather than relying on a single attractive outcome.
A worked example.
Using this calculator’s default inputs, estimated future value is ₹29,97,901. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Investment amount | ₹5,00,000 |
|---|---|
| Expected annual return | 12 % |
| Time period | 15 years |
A common mistake to avoid
Using the result as a prediction for a volatile asset.
Questions you might have.
Can I add regular contributions here?
This tool models a single investment. Use Compound Interest for an opening amount plus monthly contributions.
Is the annual rate effective or nominal?
Here it is a nominal annual assumption divided by 12 for monthly compounding. Use Effective Annual Yield to compare conventions.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Future value = initial investment × (1 + annual return ÷ 12)^(12 × years).
Assumptions & things to know
Nominal annual return compounded monthly; no further contributions, tax or fees. Not a guaranteed outcome.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.