Lump Sum Calculator
See what a one-time investment grows to, what it is worth after inflation, and when it reaches your goal.
Your investment
| Amount invested | ₹5,00,000 |
| Total gains | ₹10,52,924 |
| In today's money | ₹8,67,145 |
| Your money multiplies | 3.11× |
| Value in 2036 | ₹15,52,924 |
Where the value comes from
| Amount invested | ₹5,00,000 |
| Gains | ₹10,52,924 |
Final value₹15,52,924
Goal: ₹25 lakh in today's money
With this investment, you get there
In 29 yrs 3 mos
Around Feb 2056, later than your timeline
To reach it in 10 yrs, invest today
₹14,41,513
₹14.42 lakh as a one-time amount
Growth over time
Year-by-year schedule
| Year | Value | In today's money | Gains |
|---|---|---|---|
| 2026 | ₹5,00,000 | ₹5,00,000 | ₹0 |
| 2027 | ₹5,60,000 | ₹5,28,302 | ₹60,000 |
| 2028 | ₹6,27,200 | ₹5,58,206 | ₹1,27,200 |
| 2029 | ₹7,02,464 | ₹5,89,802 | ₹2,02,464 |
| 2030 | ₹7,86,760 | ₹6,23,187 | ₹2,86,760 |
| 2031 | ₹8,81,171 | ₹6,58,462 | ₹3,81,171 |
| 2032 | ₹9,86,911 | ₹6,95,734 | ₹4,86,911 |
| 2033 | ₹11,05,341 | ₹7,35,115 | ₹6,05,341 |
| 2034 | ₹12,37,982 | ₹7,76,725 | ₹7,37,982 |
| 2035 | ₹13,86,539 | ₹8,20,691 | ₹8,86,539 |
| 2036 | ₹15,52,924 | ₹8,67,145 | ₹10,52,924 |
Common questions
How is the future value of a lump sum worked out?
It grows by your expected yearly return (CAGR), compounded: value = amount × (1 + return)^years. ₹5 lakh at 12% for 10 years grows to about ₹15.5 lakh.
What does "in today's money" mean?
Prices rise every year, so money later buys less. The calculator divides the future value by inflation over the same years, so you can see what it would buy at today's prices.
How long will it take to reach my goal?
Enter a goal in today's money. The calculator finds when your investment, growing faster than inflation, catches up with it, and how much you would need to invest today to get there on time.