Lumpsum Calculator
Find the future value of a one-time mutual fund investment at an expected CAGR, and how long it takes your money to double.
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= ₹1 lakh
Estimated value after 10 years
₹3,10,585
₹3.11 lakh
Lumpsum returns
- Invested₹1 lakh32%
- Returns₹2.11 lakh68%
Growth by year
How to use the Lumpsum calculator
Enter the one-time amount you are investing, the expected annual return (CAGR) and the number of years you will stay invested. You get the estimated maturity value, total gains and how long the money takes to double.
Tick adjust for inflation to see the result in today's purchasing power — at 6% inflation, ₹1 crore 20 years from now buys what about ₹31 lakh buys today.
Formula
A lumpsum compounds once a year at the assumed CAGR:
FV = P × (1 + r)^t- P = amount invested today
- r = expected annual return (12% → 0.12)
- t = years invested
CAGR (compound annual growth rate) is the steady yearly rate that turns the starting value into the ending value: CAGR = (End ÷ Start)^(1/t) − 1. A fund that grew ₹1 lakh to ₹2 lakh in 5 years has a CAGR of 14.87%, not 20% — the simple average overstates growth because it ignores compounding.
Example: ₹1,00,000 at 12% for 10 years → ₹3,10,585.
Frequently asked questions
What is a lumpsum investment in mutual funds?
A lumpsum is a single one-time investment instead of monthly SIP instalments. The whole amount is invested at that day’s NAV and grows (or falls) with the fund.
What is the difference between CAGR and absolute return?
Absolute return is the total percentage gain regardless of time (₹1 lakh to ₹2 lakh is 100%). CAGR spreads that gain over the holding period as a compounded yearly rate (100% over 5 years is 14.87% CAGR). Mutual fund factsheets quote CAGR for periods over one year.
How long does it take to double money at 12%?
About 6.1 years. The rule of 72 gives a quick estimate: 72 ÷ 12 = 6 years. At 8% it takes about 9 years and at 15% about 5 years.
Is lumpsum better than SIP?
When markets rise steadily, a lumpsum invested early usually earns more because all of it compounds for longer. A SIP reduces the risk of investing everything at a market peak. If you have a large sum, a systematic transfer plan (STP) from a liquid fund into equity over 6–12 months is a common middle path.
Are lumpsum mutual fund returns taxable?
Yes. For equity funds held more than 12 months, long-term gains above ₹1.25 lakh a year are taxed at 12.5%; gains on units held 12 months or less are taxed at 20%. Debt fund gains on units bought after 1 April 2023 are added to your income and taxed at your slab rate.