Calculate the future value of a one-time mutual fund or investment amount based on your expected rate of return.
M = P × (1 + r)n
This compound interest formula assumes your investment grows at the same annual rate every year, compounding on the previous year's value. Actual mutual fund or equity returns fluctuate year to year — use this as a planning estimate, not a guaranteed projection.
A lumpsum investment means investing a large amount of money in one go, as opposed to investing smaller amounts at regular intervals (SIP). It is common when you receive a bonus, inheritance, or maturity proceeds from another investment.
Lumpsum returns use the standard compound interest formula: Maturity Value = Principal × (1 + rate)^years, where the rate compounds annually based on your expected rate of return.
Neither is universally better — lumpsum can perform better if invested right before a market upswing, while SIP smooths out market volatility through rupee-cost averaging. Many investors use a mix of both depending on when funds become available.
No. The rate of return you enter is an assumption for projection purposes. Actual mutual fund returns depend on market performance and are never guaranteed.
Yes — more frequent compounding (e.g. monthly vs annually) results in slightly higher returns for the same nominal rate. This calculator assumes annual compounding, which is the most common convention for long-term equity mutual fund projections.
Whether you've received a bonus, an inheritance, or proceeds from a matured investment, this calculator helps you project how that amount could grow if invested in a mutual fund or similar instrument over time.
Compare this to our SIP Calculator if you're deciding between investing your money all at once versus spreading it out over time, or use our Goal Planning Calculator to work backward from a specific target amount.
