Academic Tools

Lumpsum Calculator

Estimate how a one-time investment could grow over time at an expected annual rate of return.

Total Investment (₹)

Enter an amount between ₹500 and ₹1,00,00,000.

Expected Return Rate (% p.a.)

Enter a rate between 1% and 30%.

Time Period (Years)

Enter a period between 1 and 40 years.

Total Value

₹

0.00

Invested Amount₹ 0.00

Est. Returns₹ 0.00

Total Value Split —

Invested Returns

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"The best time to plant a tree was 20 years ago. The second best time is now."
— Proverb

function Lumpsum Formula

A = P(1 + r)^t

P is the amount invested, r the expected annual return and t the number of years

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Compounding Does the Work

A lumpsum earns returns on its returns, year after year. The longer it stays invested, the faster it grows.

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Time Matters Most

Doubling the time period more than doubles the returns, because each year's growth builds on all the growth before it.

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Returns Are Not Guaranteed

Market-linked investments rise and fall. The rate you enter is an assumption for planning, not a promise.

Reeju Datta

Cofounder, Cashfree

" Understanding finance isn't just about balancing budgets; it's about mastering - opportunity, risk, and innovation. Initiatives like the National Finance Olympiad are instrumental in cultivating this essential skill set "

Soumya Kanti Purkayastha

Ex-CBO Aakash Educational Services

" Cultivating financial literacy among the youth is paramount for their future success. The NFO is equipping them with the tools they need to navigate the complexities of finance & build a secure future "

Professor Sankarshan Basu

Finance Professor, IIM Bangalore