A one-time investment compounds differently from staggered SIPs because the entire principal experiences every period of growth.
The calculator assumes yearly compounding at a flat rate—simple for teaching, less precise than daily NAV history.
Lumpsum Calculator — key points
- Single deposit future value
- Adjust years and rate for scenario tests
- Pie of principal vs growth
How a lumpsum projection helps
Useful when bonus, sale proceeds, or inheritance timing is known.
- See sensitivity to the rate assumption over long horizons.
- Contrast with SIP if you are weighing DCA vs lump entry.
Yearly compounding (lump sum)
FV = PV × (1 + g)^t
Symbols
- PV — Present lump-sum investment.
- g — Growth rate per year as decimal.
- t — Years invested.
Reading the chart
If PV is ₹100,000, g is 12% (0.12), and t is 10 years, FV ≈ ₹310,585. The pie separates your original capital from estimated appreciation.
Why use Profitspire Hub here
- Quick mental model for long-term parking of capital.
- Easy to sanity-check aggressive marketing claims.
Frequently asked questions
- Why yearly compounding?
- It keeps the formula short; mutual funds compound more frequently in practice.
- Tax?
- Not modelled—apply your jurisdiction’s rules separately.
Profitspire Hub publishes educational calculators only. Rates, slabs, and rules change—confirm with fund houses, banks, government notifications, or a qualified professional before acting.