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Find out what a single one-off investment could be worth after any number of years, and see how much of that growth arrives in the final stretch.
Step 1
Enter the amount
The single sum you plan to invest today, such as a bonus, maturity payout or accumulated savings.
Step 2
Set an expected return
Use a realistic long-run annual rate for where the money will actually sit.
Step 3
Choose how long you will leave it
The horizon matters more than the amount — watch the curve steepen in the later years.
Future value
₹1,04,431
What your investment could be worth after 15 years.
Amount invested
₹25,000
A single payment made at the start, left untouched throughout.
Total gain
₹79,431
The final year alone adds ₹9,494.
A lumpsum grows by simple compound interest. Because nothing is added or removed, the entire result comes from the original amount earning a return on an ever-larger base.
FV = P × (1 + r)ᵗFuture value
What the investment is projected to be worth at the end.
Principal
The one-off amount you invest today.
Annual return rate
The expected return as a decimal. A 12% return gives r = 0.12.
Years invested
How long the money stays invested.
The total gain is FV − P, and the wealth multiple is FV ÷ P. The chart plots monthly points using the equivalent effective monthly rate, (1 + r)^(1/12) − 1, so the curve is smooth while every year-end value still matches P × (1 + r)ᵗ exactly.
This tool is for capital you already hold. It is the school compounding formula at the rate you assume. Comparing it with a SIP only makes sense when you align how much money is at work and for how long. See SIP vs lump sum.
All of the money meets the market on day one. That can be better than sitting in cash if prices rise. It can feel worse after a drop. The calculator will not tell you which feeling you can live with.
Answers about the lumpsum calculator.
Continue exploring adjacent tools in this topic.
Guides that explain the ideas behind these numbers.
A SIP is how you invest money you will earn later. A lump sum is how you invest money you already have. Treating them as rival products hides that difference.
Prepaying a loan earns a return equal to the interest you no longer pay. Investing might earn more, or less, and with different tax and risk. This is a comparison method, not a verdict.
Compounding is interest on interest — or returns on previous returns. Time and the rate you assume do most of the work. Markets do not compound in a straight line.
For most people the question answers itself, because a SIP is simply what investing a salary looks like. The genuine dilemma arrives when a large sum lands at once — and there the arithmetic and the behavioural answer point in different directions.
These figures are estimates based on the values and assumptions you enter. Market returns are not guaranteed. Tax, brokerage and other rules can change. Finaura is an educational tool, not personalised financial, tax, investment or legal advice. Confirm important decisions with the relevant institution or a qualified professional.