What this tool does
The Lumpsum Calculator projects what a single, one-time investment will be worth after a number of years of compound growth. Enter the amount, an expected annual return, and a time horizon, and it shows the maturity value, the estimated returns, the growth multiple, and the effective CAGR, with a year-by-year chart and breakdown.
How it works
Growth compounds. The maturity value is principal × (1 + r ⁄ m)^(m × years), where r is the annual return and m is the number of compounding periods per year. Annual compounding (m = 1) is the common default; more frequent compounding slightly raises the result for the same nominal rate.
A note on accuracy
This is an informational estimate, not investment advice. It assumes a single constant return rate; real mutual-fund returns vary year to year and are never guaranteed. Use a realistic long-run average and treat the result as a planning guide.
Free vs Pro
The free calculator runs one scenario and stores nothing. A proposed Lumpsum Pro would add saved scenarios, side-by-side fund comparison, inflation-adjusted values, and a branded PDF report — while the single-shot calculator stays free forever.
Privacy
Everything runs locally in your browser. Nothing you enter is uploaded, logged, or stored.