Lumpsum Calculator
Estimate what a one-time investment could become. Choose annual or monthly compounding and type the rate yourself.
How it is calculated
Annual: A = P × (1 + r)^t. Monthly: A = P × (1 + r/12)^(12t)
- r is the annual rate divided by 100. t is the tenure in years.
- Annual compounding applies the full rate once a year. Monthly compounding applies one twelfth of the rate each month.
- Monthly compounding of the same quoted annual rate ends slightly higher, because growth starts earlier.
This is a projection or a description of the numbers you type. It is not financial advice.
One amount, left alone
A lumpsum is a single investment at the start. Nothing is added later. The only inputs are the amount, the rate you want to test, how long it stays invested, and how often the growth compounds.
Use annual compounding to match the textbook formula A = P(1 + r)^t. Use monthly when you want the balance to grow every month at one twelfth of that rate.
Questions
Which compounding should I pick?
Annual matches the common published formula. Monthly is a bit higher for the same quoted annual rate, because each month's growth starts compounding sooner.
Is 12% a typical equity return?
12% is only the default in the form so the page is not empty. Replace it with the rate you want to test. Ganana does not know what a fund will earn.
Does this deduct tax or expenses?
No. The result is the mathematical future value before tax and before expense ratios.
Can the rate be zero?
Yes. The future value then equals the amount you invested.
How is this different from the SIP calculator?
SIP adds money every month. A lumpsum invests once. The goal planner can show both for the same target.