Free Narrow CPR Stock Scanner: Daily Shortlist for Breakout Trades
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Enter a one-time investment, an expected return, and a time horizon — watch the terminal project what it could grow into.
A lumpsum future value calculator projects what a single, one-time investment could be worth after a chosen number of years, using compound growth: FV = P × (1 + r/100)ⁿ. Drag the sliders below — the terminal panel updates instantly and separates your original capital from the projected gains.
Assumes annual compounding at a constant rate. Actual market returns fluctuate year to year and are never guaranteed.
A lumpsum investment means putting one single amount of capital into the market at once — buying stocks or mutual fund units in a single transaction — rather than spreading it across regular monthly instalments like a SIP. The entire amount starts compounding immediately from day one, which is exactly why the sliders above move the projected value so sharply when you extend the time period even by a few years.
This calculator uses the standard compound growth formula:
FV = P × (1 + r/100)ⁿ
Where P is your principal (the lumpsum invested), r is the expected annual rate of return, and n is the number of years invested.
For example, ₹1,00,000 invested at an assumed 12% annual return for 10 years grows to roughly ₹3,10,585 — more than 3x the original capital, purely from compounding, without adding a single extra rupee.
| Point | Lumpsum | SIP |
|---|---|---|
| Capital source | Available all at once (bonus, savings, inheritance) | Regular monthly income |
| Entry price risk | Concentrated at one point in time | Spread across market cycles |
| Compounding start | Full amount from day one | Gradual, as each instalment goes in |
| Best suited when | Markets aren't at a clear high and capital is idle | You want to build the habit of investing from salary |
Neither is inherently superior — it depends on where your capital is coming from and how comfortable you are with entry-price timing. Many investors use both: SIP for regular income, and lumpsum whenever a bonus or windfall comes in.
What is a lumpsum investment?
A lumpsum investment is when you invest a single, one-time amount into an asset like stocks or mutual funds, as opposed to investing smaller amounts periodically through a SIP. The entire capital starts compounding from day one.
What is the formula for lumpsum future value?
FV = P × (1 + r/100)ⁿ, where P is the principal invested, r is the expected annual rate of return, and n is the number of years invested.
Is lumpsum investing better than SIP?
Neither is universally better — lumpsum suits idle capital when markets aren't at a clear high; SIP suits spreading entry-price risk from regular income. The right choice depends on your capital source, not a fixed rule.
What return rate should I assume?
10-12% per year is a commonly used long-term assumption for diversified Indian equity, based on historical index averages. There's no guaranteed rate — equity returns are market-linked.
Does this calculator guarantee my actual returns?
No. It only projects a mathematical outcome based on the rate you enter. Actual market returns fluctuate and can be negative in some periods — use this for planning, not as a promise.
This calculator is for educational and planning purposes only and does not constitute investment advice. Projections are based on the return rate you enter and assume constant annual compounding — actual stock market returns are market-linked, fluctuate over time, and are never guaranteed. Past performance is not indicative of future results. Consult a SEBI-registered advisor before making investment decisions.