What this calculator does
A lumpsum investment is a single amount invested at one time. This calculator illustrates how that amount could grow when returns are compounded annually at a rate you choose.
Try the Lumpsum Calculator
Enter your own figures and explore an estimate in the InvestCalc calculator.
Open calculator ↗How is lumpsum growth estimated?
The calculator applies compound growth to the initial amount over the selected number of years. The output is a mathematical projection, not a forecast of actual market performance.
Formula
Estimated future value = Initial investment × (1 + annual rate) raised to the number of years.
Understand the limitations
The calculation assumes a constant annual rate. Market-linked investments can rise and fall, and actual returns may be uneven or negative over some periods.
Compare scenarios
Try different rates and time periods to understand how sensitive the projection is to your assumptions. Do not select an expected return simply because it produces a desired outcome.
Frequently asked questions
Is a lumpsum return fixed?
No. For market-linked investments, returns are uncertain and can be negative.
Are taxes and fees included?
No. The displayed estimate is before applicable taxes, fees and product-specific charges.