---
title: "Lumpsum Calculator: One Time Investment Value | RupeeCase"
description: "Lumpsum calculator: what a one time investment grows to at a yearly return over any period, with the multiple, the gain, the formula and a worked example."
source_url: "https://www.rupeecase.com/learn/tools/lumpsum-calculator"
---

Value after 10 years**₹3.11 L**
Invested once**₹1.00 L**
Gain**₹2.11 L**
Multiple of the money**3.11x**

* Value
* Invested

Value = amount x (1 + r)^years, compounded once a year.
      Share this resultReset

  01How it works

## In plain words.
A lumpsum earns a return on the whole amount from day one, and every year’s return then earns a return of its own. That second effect is compounding. The calculator applies the yearly return once a year for the number of years.

    The formula

`FV = P x (1 + r)^n``Multiple = (1 + r)^n``Gain = FV - P`

  02Worked example

## The default numbers, by hand.
Rs 1 lakh at 12% for 10 years: 1.12^10 = 3.106, so the value is about Rs 3.11 lakh and the money has multiplied 3.1 times.

| Input | Value |
| --- | --- |
| Amount invested once | ₹1,00,000 |
| Expected return a year | 12% |
| Period | 10 years |

| Result | Value |
| --- | --- |
| Value after 10 years | ₹3.11 L |
| Invested once | ₹1.00 L |
| Gain | ₹2.11 L |
| Multiple of the money | 3.11x |

  03Key concepts

## What to know before you use it.

### Compounding in one line
At 12% a year money roughly doubles every six years. Over 24 years that is four doublings, 16 times the money. The rule of 72 calculator shows the shortcut.

### Lumpsum or SIP
A lumpsum is invested for longer, so at one constant return it always ends ahead of the same money spread over months. The comparison calculator shows the gap and explains when spreading can still be chosen.

### Good to know

* Compare the result with the inflation calculator to see it in today’s rupees.
* The CAGR calculator works the other way: from a start and an end value back to the yearly rate.

  04Assumptions

## What the calculator assumes.

* One constant return, compounded once a year.
* No tax, fees or withdrawals.

  05Questions

## Asked about the Lumpsum calculator.
How is a lumpsum return calculated?Future value = amount x (1 + yearly return)^years. Rs 1 lakh at 12% for 10 years becomes about Rs 3.11 lakh.

What is the difference between simple and compound return?Simple return pays only on the original amount. Compound return also pays on past returns, which is why the curve bends upward.

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06Keep going

## Learn the idea, see it applied.

  [Module 4.4Performance Measurement9 min read, Path 04](/learn/path-4/module-4-4-performance-measurement)[Module 2.1Why Rules Beat Gut Feeling9 min read, Path 02](/learn/path-2/module-2-1-why-rules-beat-gut-feeling)[The matching indexFocused Largecap 2020 largecap stocks, 4-week rotation. Pure equity on the Nifty 100.CAGR26.3%Sharpe1.20Max DD−23.6%Model, back tested, as of 27 Apr 2026. Not client returns, not a promise. Risk band: Moderately High.](/strategies/focused-largecap-20)

  More returns and compounding calculators

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  Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.