Lump sum calculator
Invested a bonus or a windfall in one go? See what it could grow to at an expected rate of return.
Rules for FY 2026-27 · Checked 24 October 2026
15.53 lakh from ₹5,00,000 invested once.
- Your money grows 3.11× and doubles every 6.1 years.
- Leave it 5 more years and it becomes ₹27.37L.
- Prefer to invest monthly? Try the SIP calculator.
- Amount invested₹5,00,000
- Estimated returns₹10,52,924
Year-by-year table
| Year | Invested | Returns | 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 lump sum returns are calculated
Future value = amount × (1 + yearly return)^years. ₹5 lakh at 12% for 10 years grows to about ₹15.5 lakh, more than three times the original.
Mutual fund returns are not guaranteed. The rate you enter is an assumption.
Lump sum or SIP?
A lump sum earns more when markets rise steadily after you invest, because all the money is working from day one. A SIP spreads your buying over time, which lowers the risk of investing everything just before a fall. Many people put a large sum into a liquid fund and move it to equity over 6–12 months.
Frequently asked questions
What is the minimum lump sum investment?
Most mutual funds accept a one-time investment from ₹1,000 or ₹5,000.
How are lump sum gains taxed?
For equity funds held over a year, gains above ₹1.25 lakh a year are taxed at 12.5%; within a year, at 20%.
Sources: AMFI