Lumpsum Calculator
Project the future value of a one-time investment, with an optional inflation adjustment.
Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Free — no signup, no account, no watermark
- Runs entirely in your browser — nothing is uploaded to a server
- Works on mobile, tablet and desktop
- Instant — results appear as soon as you enter your input
Why this is private
- Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Open your browser's DevTools → Network tab while using this tool — you won't see a request carrying your input, because it never leaves your device.
- Nothing you enter is uploaded to a server or shared with us — the processing happens entirely on your device.
Overview
Projects the future value of a single one-time investment, compounded annually at an expected rate of return — with an optional toggle to also show that value adjusted for inflation, in today's purchasing power.
How to use it
- 1Enter the investment amount.
- 2Enter the expected annual return rate.
- 3Enter the investment duration.
- 4Optionally turn on "Adjust for inflation" and set an expected inflation rate.
- 5View the projected maturity value, and its inflation-adjusted real value if enabled.
Formula
Lumpsum future value (nominal)
FV = P × (1 + r)^n
P = principal, r = annual rate of return, n = years.
Inflation-adjusted (real) value
Real value = FV / (1 + i)^n
i = expected annual inflation rate. Shows what the nominal maturity value is actually worth in today's purchasing power.
Tips
- This calculator provides an estimate for planning purposes only and is not financial advice.
Frequently asked questions
What people use it for
Project a one-time investmentSee what a single deposit into a fund or scheme could grow to over 5, 10 or 20 years.
See what a long-horizon maturity value is really worthTurn on inflation adjustment for a 10-20 year projection, since the nominal number alone can meaningfully overstate real purchasing power at that horizon.
Compare lumpsum against a SIPRun the same total as a lumpsum here and monthly in the SIP calculator to compare outcomes.
Set a goal amountTry different rates and durations to find what a target corpus needs today.
Related guides
- SIP vs. lumpsum: what the math actually saysSystematic investing and lump-sum investing solve different problems. Here's how to reason about which one fits your situation.
- Reduce EMI or reduce tenure after a part payment: which saves more?Both lower your total interest, but not by the same amount. Here's the trade-off, a worked example, and how to compare your own loan.
- How to calculate a home loan foreclosure amountOutstanding principal, accrued interest, charges and tax — what goes into a loan foreclosure (pre-closure) figure, and why the bank's number can differ.
- How to calculate EMI (and why the formula looks so intimidating)A plain-English walkthrough of the EMI formula, what each variable means, and a worked example you can check by hand.
Related tools
All finance toolsSIP CalculatorProject the future value of monthly SIP investments, or compare against a lumpsum.CAGR CalculatorCalculate the Compound Annual Growth Rate of an investment.Compound Interest CalculatorCalculate compound interest with configurable compounding frequency and optional regular contributions.EMI CalculatorCalculate your monthly EMI, full amortization schedule, and part-payment or foreclosure savings.
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Lumpsum Calculator