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Lumpsum Investment Calculator
Future value of a one-time investment with compounding frequency and real (post-inflation) worth.
InvestingInputs
Results
Formula
- FV = P × (1 + r/m)^(m × t)
- Effective annual rate = (1 + r/m)^m − 1
- Real FV = FV / (1 + inflation)^t
- Doubling time ≈ 72 / rate (rule of 72)
Compounding frequency matters: the same nominal rate credited monthly beats the annual credit because interest starts earning interest sooner. The effective annual rate expresses that difference as a single comparable number — always compare products on effective, not nominal, rates.
Step-by-step Calculation
- 1.Periodic rate
12% / 112.0000% - 2.Number of periods
1 × 1010 - 3.Growth factor
(1 + r/m)^(m·t)3.1058 - 4.Future value
500,000 × factor₹1,552,924 - 5.Real value
FV / (1 + 6%)^10₹867,145
Assumptions
- • The rate is constant and fully reinvested at each compounding date.
- • No entry load, exit load or taxes deducted.
Money Tips
- ◆For lump sums into equity, staggering over 3–6 months (STP) reduces timing risk.
- ◆Use the rule of 72 for a fast mental check on doubling time.
Warnings
- ▲A single-date entry carries valuation risk that a SIP spreads out.
References & Standards
Compound interest (effective annual rate)SEBI disclosure norms
Results are planning estimates generated in your browser. Nothing you enter is uploaded or stored. Verify material decisions with your lender, adviser or chartered accountant.