How does a lump sum investment grow over time?

A lump sum investment grows using FV = PV × (1 + r/n)^(nt). A $10,000 investment at 7% annual return compounding monthly becomes approximately $20,097 after 10 years.

Lump Sum Investment Calculator

Project the future value of a one-time lump sum investment with compound growth — no additional contributions.

This tool runs in your browser. None of your data is saved or sold.

Lump sum investment ($)

Annual return (%)

Years invested (years)

Compounding frequency

About This Calculator

A lump sum investment — investing all at once rather than gradually — has historically outperformed dollar-cost averaging about two-thirds of the time in rising markets. This calculator shows how a single investment compounds over time, along with your total growth and return multiple.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

FV = principal × (1 + r/n)^(n×t); total growth = FV − principal; return multiple = FV ÷ principal