# Lumpsum Calculator: One-time Investment Returns > Lumpsum calculator for mutual funds and other one-time investments: enter amount, expected return and years to see future value and gains year by year. Source: https://trykosh.com/tools/lumpsum-calculator Free tool - Investing # Lumpsum investment calculator Work out what a one-time investment could grow to. Enter the amount, an assumed yearly return and how long you'll hold it. Rules checked 25 October 2026Free - no sign-upRuns in your browser Estimated value after 10 years INR 15,52,924 INR 5 lakh grows to INR 15.53 lakh You invest**INR 5,00,000** Estimated gains**INR 10,52,924** Money multiplied**3.1x** Invested **INR 5,00,000**Gains **INR 10,52,924** Year by year Year Value at year-end Gain that year Year 1 INR 5,60,000 INR 60,000 Year 2 INR 6,27,200 INR 67,200 Year 3 INR 7,02,464 INR 75,264 Year 4 INR 7,86,760 INR 84,296 Year 5 INR 8,81,171 INR 94,411 Year 6 INR 9,86,911 INR 1,05,741 Year 7 INR 11,05,341 INR 1,18,429 Year 8 INR 12,37,982 INR 1,32,641 Year 9 INR 13,86,539 INR 1,48,558 Year 10 INR 15,52,924 INR 1,66,385 Compounded once a year at 12%, which is how fund returns (CAGR) are quoted. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-lumpsum-calculator) ## How the lumpsum calculator works A lump sum is money invested in one go: a bonus, a matured deposit, sale proceeds or an inheritance. Unlike a SIP, the whole amount starts compounding from day one, so time in the market does all the work. The calculator grows the amount once a year at your assumed return. That's the same way fund factsheets quote CAGR, so a fund's historical CAGR plugs straight in, as long as you remember the past isn't a forecast. The year-by-year table shows the value at each year-end and the gain earned that year. The yearly gain keeps rising because each year's return is earned on a bigger base, which is compounding in plain terms. The return is an assumption. A lump sum in equity is exposed to the market level on the day you invest, so a fall soon after can take years to recover. If that worries you, compare with spreading the money through an STP. FV = P x (1 + r)ⁿ P amount invested r yearly return as a decimal n years ## Worked example: Meera invests a INR 3 lakh bonus Meera, 34, a teacher in Jaipur, puts her INR 3 lakh Diwali bonus into a fund and assumes a cautious 10% a year. In 15 years it could be worth about INR 12.53 lakh, 4.2 times the money. At the 10-year mark it's about INR 7.78 lakh: the last five years add almost as much as the first ten. Estimated value after 15 years INR 12,53,174 INR 3 lakh grows to INR 12.53 lakh You invest**INR 3,00,000** Estimated gains**INR 9,53,174** Money multiplied**4.2x** Invested **INR 3,00,000**Gains **INR 9,53,174** Compounded once a year at 10%, which is how fund returns (CAGR) are quoted. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?amount=300000&rate=10&years=15#calculator) ## Good to know - Equity funds often charge an exit load (commonly around 1%) if you redeem within a year. Check the scheme document before investing money you might need soon. - For tax, a lump sum in an equity fund becomes long-term after 12 months. Gains above INR 1.25 lakh a financial year are then taxed at 12.5%, and you can redeem in parts across years to use the exemption more than once. - Parking a large sum in a liquid fund and moving it into equity over 6 to 18 months (an STP) lowers the risk of investing everything at a market peak. ## Frequently asked questions How is lumpsum return calculated? With the compound interest formula: the amount multiplied by (1 + yearly return) raised to the number of years. INR 1 lakh at an assumed 12% for 10 years becomes about INR 3.1 lakh. Is lumpsum better than SIP? With the same return, money invested earlier always grows more, so a lump sum wins on paper. In real markets a lump sum carries timing risk, while a SIP spreads purchases across market levels. Many people use both: SIPs from salary, lump sums when money arrives. How long does it take to double a lump sum? Divide 72 by the yearly return. At 12% it takes about 6 years, at 8% about 9 years. The rule of 72 calculator shows exact figures. Can I lose money on a lumpsum investment? Yes. Equity and debt funds are market-linked and can fall below what you invested, especially over short periods. Mutual fund investments are subject to market risks; the return here is only an assumption. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.