Investing
Lumpsum Calculator
Illustrate how a one-time investment could compound over the years you leave it alone.
Estimated value
Illustration₹15,52,924
After 10 years at an assumed 12% a year.
- Invested
- ₹5,00,000
- Estimated growth
- ₹10,52,924
In plain words
₹5,00,000 left alone for 10 years at an assumed 12% a year could become about ₹15.53 L — 3.1× the amount invested.
How the amount could grow
- Time to double
- 6.1 years
- Rule of 72 estimate: 6 years
- Growth multiple
- 3.11×
- Estimated value ÷ amount invested
Keep this result
Save it, share a link (numbers only — no personal details), or talk it through with a person.
01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
The whole amount is invested on day one and grows at the assumed effective annual rate. Part-years compound too.
FV = A × (1 + r)^t
The number of years an amount takes to double at a steady rate. The “rule of 72” (72 ÷ rate) is a quick approximation of the same figure.
years to double = ln 2 ÷ ln(1 + r)
To see what a future amount could buy at today’s prices, it is divided by the growth in prices over the same period at the inflation rate you set.
value today = future value ÷ (1 + inflation)^years
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- LumpsumInvesting a single, larger amount at one time, rather than spreading it across instalments.
- CompoundingEarning returns on past returns as well as on the original amount, so growth accelerates the longer money stays invested.
- CAGRThe steady yearly growth rate that would take an investment from its starting value to its ending value over a given period.
- Real returnYour return after accounting for inflation — the growth in what your money can actually buy.
- STPAn instruction to move a fixed amount at regular intervals from one mutual fund scheme to another within the same fund house.
Read next
Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.