# Lumpsum Calculator

> Free mutual fund lumpsum calculator. See what a one-time investment could become after any number of years, the gain, and its value in today's money after inflation.

Enter a **one-time investment**, the return you expect and the years. See the estimated value, the gain and what it is worth in **today's money** after inflation.

Use the free tool here: https://saraltools.in/lumpsum-calculator/

## Lumpsum formula

```
Future value = P × (1 + r)^n
```

**P** is the amount you invest once, **r** is the yearly return (12% = 0.12) and **n** is the number of years. The gain is the future value minus P.

## Why look at "today's money"?

Prices rise every year. A goal that costs ₹10 lakh today may cost ₹18 lakh in 10 years at 6% inflation. Dividing the future value by inflation shows what your money will really buy, which is the number that matters for planning.

## When a lumpsum makes sense

- You received a bonus, maturity amount or property sale money and the goal is 5+ years away.
- For equity funds, many investors use an [STP](https://saraltools.in/stp-calculator/) to move the money in over 6 to 12 months and reduce the risk of investing just before a fall.
- For goals under 3 years, debt or hybrid funds are usually more suitable than equity.

Planning to invest monthly instead? Use the [SIP calculator](https://saraltools.in/sip-calculator/) or compare everything with the [SIP vs lumpsum calculator](https://saraltools.in/sip-vs-lumpsum-calculator/).

## Frequently asked questions

### What will ₹1 lakh become in 10 years?

At an assumed 12% a year, ₹1 lakh grows to about ₹3.1 lakh in 10 years. At 10% it becomes about ₹2.6 lakh. Mutual fund returns are not guaranteed.

### Is lumpsum better than SIP?

If markets rose steadily, lumpsum would win because all the money is invested from day one. Real markets go up and down, so SIP or STP spreads the risk of investing just before a fall. Compare all three with the SIP vs lumpsum calculator.

### What is 'value in today's money'?

It is the future value divided by inflation over the same years. If inflation is 6%, ₹3.1 lakh in 10 years buys roughly what ₹1.7 lakh buys today.

### Why does this differ slightly from some other calculators?

This calculator compounds the yearly return exactly, so 12% a year means 12% a year. Some calculators divide the yearly rate by 12 and compound monthly, which quietly gives about 12.7% a year.

## Related tools

- [SIP Calculator](https://saraltools.in/sip-calculator/): Estimate mutual fund SIP value, with optional yearly step-up.
- [SWP Calculator (Systematic Withdrawal Plan)](https://saraltools.in/swp-calculator/): Monthly income from your corpus: how long it lasts and the safe amount.
- [SIP to SWP Calculator](https://saraltools.in/sip-swp-calculator/): SIP now, monthly pension later: corpus and the income it can pay.
- [STP Calculator (Systematic Transfer Plan)](https://saraltools.in/stp-calculator/): Park a lumpsum in a liquid fund and move it to equity month by month.
- [SIP vs Lumpsum vs STP Calculator](https://saraltools.in/sip-vs-lumpsum-calculator/): Same money, three ways to invest it: compare the final values.
- [SIP Cost of Delay Calculator](https://saraltools.in/sip-delay-cost-calculator/): How much less you end up with if you start your SIP a few years late.

Last updated: 2026-11-01

---
SaralTools (https://saraltools.in/): Free Indian calculators, document makers and photo tools. Contact: help@saraltools.in. Results are estimates, not tax, legal or financial advice.