Investments & Wealth
Lumpsum Return Calculator
Project the future value of a one-time investment with compound growth
Investment details
₹
%
yrs
Future value
₹0
How the Lumpsum Return Calculator works
A lumpsum investment grows with compound interest — you earn returns on your returns each year.
Future value = P × (1 + r)n • P = principal • r = annual rate • n = years
Why use it
Detailed features
One-time investment
Ideal for bonuses, inheritance or idle cash deployment.
Compound growth
Annual compounding shows true long-term wealth creation.
Wealth gained
Clear split between original amount and total returns.
On the go
Also in the free Toolance Android app.
Frequently asked questions
Enter one-time amount, expected annual return and years held. Future value uses compound growth on the full principal from day one.
Debt and hybrid funds might be modeled at 6% to 8%. Equity at 10% to 12% for illustration only. Shorter periods have more uncertainty.
No. Tax on redemption depends on fund category and holding period. Reduce the displayed corpus mentally or ask your CA for post-tax estimates.
Equity or hybrid lump sum can beat FD over long periods but is not guaranteed. FD offers fixed return with DICGC cover on eligible deposits up to the statutory limit.
If you receive a bonus or inheritance and markets are not at an extreme high, investing sooner often helps. SIP still suits monthly salary investors.
We assume growth option where returns compound in the fund. IDCW payouts would need a separate cash flow model.
This is a planning illustration. Market risk, fund choice and asset allocation matter. Not personalised investment advice.
Yes. Free online tool, unlimited runs, no signup.