| Invested amount | ₹50,000 |
| Returns | ₹1,05,292 |
| Maturity amount | ₹1,55,292 |
A lumpsum calculator is a simple tool that uses a specific formula to calculate the returns on your lumpsum investment. It depends on how much investments you make, how much returns you are expecting and for how long you want to be invested.
EMIWala provides a simple and easy to use lumpsum calculator. You have to provide only basic details like lumpsum amount, return rate and time period.
Enter the lumpsum amount (PV): This is the one time amount you plan to invest. For example, ₹5,00,000.
Enter the Interest Rate (r): This is the expected annual rate of return for your investment.
Enter the Investment Period (n): This is the time period for which you want to be invested.
Check the Results: The calculator will use the inputs to find out the total returns you will get after a certain time period.
Simplicity: A lumpsum calculator provides quick, accurate results, which helps you plan your future finances.
Time-saving: It saves your time from doing manual calculations, and it gives instant results.
Accurate Results: You get accurate results with our lumpsum calculator. We continuously work to improve our calculators. If you find any error in results, please let us know.
Helps in Financial Planning: It helps you plan your future finances. You can compare different scenarios and investment options.
Risk Assessment: You can play around with different rates of return and time periods to get the desired results.
A lumpsum calculator uses the compound interest formula to calculate the future value (FV) of your investment.
Where:
Let's consider an example where you invest ₹5,00,000 in a mutual fund with an expected return rate of 12% per annum, for 20 years.
Using the formula:
If you calculate the result of above formula, you will get the future value (FV) as ₹48,23,147.
| Year | Lumpsum Amount (₹) | Rate of Return (%) | Future Value (₹) | Total Returns (₹) |
|---|---|---|---|---|
| 0 | ₹5,00,000 | 12 | ₹5,00,000 | 0 |
| 5 | ₹5,00,000 | 12 | ₹8,81,171 | ₹3,81,171 |
| 10 | ₹5,00,000 | 12 | ₹15,52,924 | ₹10,52,924 |
| 15 | ₹5,00,000 | 12 | ₹27,36,783 | ₹22,36,783 |
| 20 | ₹5,00,000 | 12 | ₹48,23,147 | ₹43,23,147 |
As shown in the table above, you easily get total returns of ₹43,23,147 after 20 years at an interest rate of 12% for a lumpsum amount of ₹5,00,000.
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