# Lumpsum Calculator — Future Value of ₹1,00,000 at 12% for 10 years
Estimate the future value of a one-time investment in seconds. Enter your amount, expected annual return and investment period to see how your wealth can grow.
How this calculator works
- Uses the compound interest formula: FV = P × (1 + r)^n
- P = initial investment (₹1,00,000)
- r = annual return (12% expressed as decimal)
- n = years (10)
Tips
- Prefer diversified equity mutual funds for long-term goals (7+ years)
- Review returns annually and rebalance if asset allocation drifts
- Keep an emergency fund separate from market investments
FAQs
- Is a lumpsum better than SIP?
Both have their place. Lumpsum works well when markets are reasonably valued and your horizon is long; SIP reduces timing risk by averaging the purchase cost over time.
- What return should I assume?
Conservative long-term equity assumptions in India are 10–12% pre-tax. For debt, assume 7–8% depending on the product.
- Can I withdraw anytime?
Yes for most mutual funds (except ELSS and closed-ended). Check exit loads and tax rules before redeeming.
Related calculators
- [SIP Calculator](/calculators/sip-calculator)
- [SIP with Lumpsum Calculator](/calculators/sip-with-lumpsum-calculator)
- [Reverse SIP Calculator](/calculators/reverse-sip-calculator)