Lumpsum Calculator
Calculate how a single one-time capital investment expands over multi-year horizons via uninterrupted compounding growth.
How Fast Your Capital Doubles
At 12% CAGR, by the Rule of 72 (72 ÷ 12), your lump-sum capital doubles every 6.0 years. Over 10 years, your money will multiply by 3.11 times!
Yearly Capital Growth Progression
Track the compounding progression on your ₹ 5.00 L investment across 10 years.
| Year | Initial Principal | Cumulative Gains | Total Portfolio Value |
|---|---|---|---|
| Year 1 | ₹ 5,00,000 | +₹ 60,000 | ₹ 5,60,000 |
| Year 2 | ₹ 5,00,000 | +₹ 1,27,200 | ₹ 6,27,200 |
| Year 3 | ₹ 5,00,000 | +₹ 2,02,464 | ₹ 7,02,464 |
| Year 4 | ₹ 5,00,000 | +₹ 2,86,760 | ₹ 7,86,760 |
| Year 5 | ₹ 5,00,000 | +₹ 3,81,171 | ₹ 8,81,171 |
| Year 6 | ₹ 5,00,000 | +₹ 4,86,911 | ₹ 9,86,911 |
| Year 7 | ₹ 5,00,000 | +₹ 6,05,341 | ₹ 11,05,341 |
| Year 8 | ₹ 5,00,000 | +₹ 7,37,982 | ₹ 12,37,982 |
| Year 9 | ₹ 5,00,000 | +₹ 8,86,539 | ₹ 13,86,539 |
| Year 10 | ₹ 5,00,000 | +₹ 10,52,924 | ₹ 15,52,924 |
When Should You Invest Lump-Sum?
- Windfalls & Bonuses: Deploying bonus payouts, property sales, or maturity funds directly puts large capital to immediate work.
- Stagger via STP: If markets are at record valuation highs, park lumpsum in a Liquid fund and use a Systematic Transfer Plan (STP) over 6-12 months.
- Long-Term Horizons (5+ Yrs): Market volatility smooths out over 5 to 7 year holding periods, ensuring compounding dominates.
Lumpsum Compounding Formula
The terminal maturity value of a lump-sum mutual fund investment is governed by Einstein's classic compound formula:
Where P is Initial Principal, r is Annual CAGR rate, and t is Time Horizon in Years.
*Disclaimer: The results shown are illustrative and based on mathematical compounding calculations with assumed rates of return. They do not constitute a promise or guarantee of actual performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.