100,000 at 10% for 10 years, compounded monthly
$100,000.00 at 10% for 10 years, compounded monthly.
Future value $270,704.15. Interest $170,704.15.
Lump sum calculator
One amount, invested once. Choose how often the return compounds. The page shows the future value and the interest.
Symbol only. Amounts are not converted.
%
Future value
$270,704.15
120 compounding periods.
- You put in
- $100,000.00
- Interest
- $170,704.15
Next: SIP calculatorThe same money, paid in over time instead.
One investment at the start, compounded at the frequency you pick. No later deposits and no tax.
How this is calculated
- Step 1
One amount
Nothing else is added after the first day.
- Step 2
It compounds
Yearly, quarterly, monthly, or daily, at the rate you type.
- Step 3
Interest apart
Maturity minus what you put in is the interest.
Compound growth of a single amount
A = P × (1 + r ÷ n)^(n × t)
| P | The amount invested once. |
|---|---|
| r | Annual return as a decimal. |
| n | Compounding times per year: 1, 4, 12, or 365. |
| t | Years. |
Monthly compounding is the default because that is how this site treats a mutual-fund style lump sum. A bank deposit that compounds quarterly belongs on the FD calculator.
The same formula with a monthly deposit added is the compound interest calculator. The same total paid in instalments is on the SIP calculator, in the figure labeled invested at the start.
Worked examples
Loading an example fills the tool and scrolls you back to the result. Money examples stay in US dollars on the page. The symbol you picked changes; the numbers do not convert.
25,000 at 6% for 5 years, compounded yearly
$25,000.00 at 6% for 5 years, compounded yearly.
Future value $33,455.64. Interest $8,455.64.
Embed this calculator
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<iframe src="/embed/lumpsum" title="Lump sum calculator" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
How is this different from compound interest?
This page is only the one-time amount. Compound interest also takes a deposit every month.
How is this different from an FD?
The math is the same family. An FD here defaults to quarterly compounding and is worded as a bank deposit. This page defaults to monthly compounding and is worded as an investment.
Does a lump sum beat a SIP?
Only if the lump sum is the same total the SIP would have contributed, invested on day one, and the return stays positive. The SIP calculator draws that comparison. It is not a forecast.