Home Calculators Lumpsum Calculator
What does a one-time investment become?
One amount, one assumed return, one horizon. The calculator shows the maturity value, the share of it that is growth rather than your own money, and what that value is worth in today's rupees.
Your numbers
Change anything; the result updates as you type.
Result
The return you assume here is the whole answer.
Over twenty years, 14% a year instead of 12% ends about 42% higher. MindForge publishes the backtest behind each of its three strategies, and the two paid ones trade in their own broker-verified Zerodha accounts, so an assumption has something to be measured against.
How a month works — about ten minutes on the 1stHow a lumpsum is calculated
One amount left alone compounds on itself. There is no instalment schedule to model, so the arithmetic is a single line:
A = P × (1 + r)t
where P is the amount invested, r is the annual return and t is the number of years. This calculator compounds annually, which is the convention for a lumpsum figure; monthly compounding at the same nominal rate would give a slightly higher number.
Lumpsum or SIP?
They answer different questions. A lumpsum is what happens to money you already have; a SIP is what happens to money that arrives every month. If you hold a large amount and are nervous about entry timing, the honest comparison is between investing it now and staggering it — not between "lumpsum" and "SIP" as strategies.
What inflation does to it
The maturity value is in future rupees. The calculator also reports the same figure in today's money at the inflation rate you set, because a number twenty years out is easy to misread: at 6% inflation, ₹1 crore in 2046 buys what about ₹31 lakh buys now.
Assumptions this makes
- A constant annual return, compounded once a year, with nothing added or withdrawn on the way.
- No expense ratio, advisory fee, exit load or tax. Those are deducted from the figure above, and a percentage fee compounds against you — see the fee calculator.
- Markets do not deliver the same return every year, so treat the output as an illustration of compounding — not a forecast, and not investment advice.