Investment Amount
25,000
25,000
(Twenty Five Thousand)
Est. Returns
52,646
52,646
(Fifty Two Thousand Six Hundred and Forty Six)
Total value
77,646
77,646
(Seventy Seven Thousand Six Hundred and Forty Six)
One Time Investment Calculator
Calculate the future value of a one-time/lump sum investment for a specific period with compounded annual returns i.e., the returns get added to the invested amount at the end of the year and in the subsequent year/s, the accumulated returns also earn returns along with the initial invested amount.
Disclaimer: The purpose of this calculator is to illustrate and should never be utilized as a tool to decide your investments. One should consult their investment adviser to decide on their investments. We have taken reasonable care to build this calculator, however it does not warrant the completeness or accuracy of numbers. Users are fully responsible/liable for any decision taken based on this calculator. Please refer to the statutory disclaimer under the disclosures on this website.
One Time Investment
Investing a lump sum amount can be a strategic way to grow your wealth over time, especially for individuals having irregular source of income. Our One Time Investment Return Calculator helps you estimate the potential returns on your one-time investments, providing you with insights to make informed financial decisions.Â
What is a One Time Investment Calculator?
A One Time Investment Return Calculator is a tool designed to estimate the future value of a single lump sum investment over a specified period. By entering the investment amount, expected rate of return, and investment duration, you can get an idea of how much your investment will grow. This calculator is ideal for those looking to make a one-time investment and wanting to understand the potential returns over time.Â
How Does the One Time Investment Calculator Work?
The One Time Investment Calculator works by using a formula to calculate the future value of your investment based on the present value (initial investment), expected annual rate of return, and the number of years the investment will be held. This process allows investors to see how their invested amount will grow over time, making it easier to plan for future financial goals.Â
How Will One Time Investment Return Calculator (Lu mpsum Calculator)Help? Â
- Provides an Estimate of Potential Returns: By entering your investment details, you can calculate the expected future value of your investment based on the expected returns you have inputted.
- Helps in Financial Planning and Goal Setting: Understand how your investment can grow to meet your financial goals.
- Simplifies the Understanding of Investment Growth Over Time: Visualize the growth of your lump sum investment over the investment period.
- Aids in Comparing Different Investment Scenarios: Modify the inputs to explore how varying rates of return and investment durations impact the future value of your investment.
- Facilitates Better Decision-Making for Future Investments: Make informed decisions by understanding the potential outcomes of your investment.
Advantages of Using ARA's One Time Investment Return Calculator
ARA’s One Time Investment Return Calculator offers several benefits:Â
User-friendly
interface.
Accurate and quick calculations.
Customizable inputs for personalized results.
Great for all levels of investors.
Free to use with no hidden charges
Up-to-date with market trends.
One Time Investment Calculator Formula
FV = P V x (1+r)^n
Where:Â
- FV = Future ValueÂ
- PV = Present Value (initial investment)Â
- r = Annual Rate of ReturnÂ
- n = Number of YearsÂ
This formula helps in determining the future value of your investment by taking into account the compounding effect of the annual rate of return over the investment duration.Â
ExampleÂ
Consider the following example to understand how the calculator works:Â
- Your Investment (One Time): Rs. 100,000Â
- Expected Rate of Return per annum: 8%Â
- Your Investment Tenure: 10 YearsÂ
- Your investment would be: Rs. 100,000Â
- The Future value of your investment would be: Rs. 215,892Â
This example demonstrates how the power of compounding can significantly increase the future value of a one-time investment over a long period.Â
Important Considerations
- The calculator assumes a consistent rate of return, which may not reflect actual market scenarios.Â
- The returns estimated by the calculator are illustrative; actual returns may vary significantly.Â
Yearly Breakdown
The table below shows how your investment grows over the years with a consistent rate of return:Â
| Year | Total Investment | Expected Rate of Return | Market Value |
|---|---|---|---|
| 2024Â | Rs. 100,000Â | 8%Â | Rs. 108,000Â |
| 2025Â | Rs. 100,000Â | 8%Â | Rs. 116,640Â |
| 2026Â | Rs. 100,000Â | 8%Â | Rs. 125,971Â |
| 2027Â | Rs. 100,000Â | 8%Â | Rs. 136,049Â |
| 2028Â | Rs. 100,000Â | 8%Â | Rs. 146,933Â |
| 2029Â | Rs. 100,000Â | 8%Â | Rs. 158,687Â |
| 2030Â | Rs. 100,000Â | 8%Â | Rs. 171,381Â |
| 2031Â | Rs. 100,000Â | 8%Â | Rs. 185,092Â |
| 2032Â | Rs. 100,000Â | 8%Â | Rs. 199,899Â |
| 2033Â | Rs. 100,000Â | 8%Â | Rs. 215,892Â |
This yearly breakdown shows how the future value of your investment grows each year, illustrating the impact of compounding interest.Â
Investment Related Videos
Financial Freedom
6 Videos
Subscribe to our Youtube channel
Frequently Asked Questions
When should one prefer Lumpsum Investment?
A lumpsum investment is ideal when you have a significant amount of money available for investment and prefer to invest it all at once rather than in smaller, periodic instalments. Or if you do not have a regular monthly income, you may choose to invest as and when you have surplus. This approach can be beneficial when market conditions are favourable, allowing you to maximize returns from the beginning of the investment period.
What’s the difference between Lumpsum and SIP?
A lumpsum investment involves investing money at once, whereas a Systematic Investment Plan (SIP) involves investing amounts periodically. Lumpsum investments can be riskier as they are more susceptible to market volatility at the time of investment, but they can also offer higher returns. SIPs, on the other hand, help mitigate market volatility by spreading the investment over time.
What is MF Lumpsum Investment?
MF lumpsum investment refers to a one-time investment in mutual funds. Instead of spreading the investment over multiple instalments, the investor puts a large sum of money into a mutual fund scheme at once, aiming for higher returns over the long term.Â
How can ARA help me invest in Lumpsum?
ARA provides comprehensive support for lumpsum investments, including expert guidance, personalized investment strategies, and a user-friendly lumpsum calculator to help you make informed decisions. Our financial experts are available to assist you in selecting the right mutual funds and managing your investment portfolio.
What are the benefits of Lumpsum Investment?
Simplicity: For those who do not have a fixed monthly income, one-time investment is simpler to manage compared to periodic investments.
Higher Returns: Potential for higher returns due to the power of compounding in long term.
 No Hassle of Periodic Payments: Avoid the hassle of making regular contributions.
Does a Lumpsum Calculator Help in Planning Long-term Financial Goals?
Yes, a lumpsum calculator can be an effective tool for planning long-term financial goals. By providing an estimate of the future value of your investment, it helps you understand how your one-time investment can grow over time and contribute to achieving your financial objectives.Â
Who Should Use Lumpsum Calculator?
The lumpsum calculator is suitable for anyone looking to invest a large sum of money at once and wanting to estimate the potential returns. It is especially useful for investors who prefer a straightforward approach to investing and want to plan for long-term financial goals.Â
What are the Limitations of a Lumpsum Calculator?
While a lumpsum calculator provides useful estimates, it has limitations:Â
- Market Volatility: It assumes a consistent rate of return, which may not reflect actual market conditions.Â
- Illustrative Results: The estimated returns are illustrative and may differ from actual returns.Â
- Limited to Initial Inputs: The calculator's accuracy depends on the inputs provided and does not account for changes in market conditions or investment strategies.Â
Explore Our Other Calculators
SIP Returns
Calculator
Calculate the future value of a one-time/lump sum investment for a specific period with compounded annual returns.
Time Based Goal
Value
Most of your future Goals will cost much more than what it costs today. Calculate the future value of goals adjusted to inflation.
EMI
Calculator
Calculate the Equated Monthly Instalment (EMI) for a loan and get a synopsis of the interest paid during the tenure.
Related Blogs
Sign Up Now for a 30-Minute Call with Our Experts!
Take the first step towards achieving your financial goals. Our experts are here to understand your needs and provide the best investment strategies.Â
