Lump Sum Investment Calculator

Enter the principal, yearly rate and years. For example, 100,000 at 10% grows to about 161,051 in 5 years.

৳
%

Expected average yearly growth

Maturity value

৳1,61,051

Principal
৳1,00,000
Profit
৳61,051

৳1,00,000 invested once grows to ৳1,61,051 in 5 years (profit ৳61,051).

The rate is an assumption. For fixed bank interest see FDR; for monthly deposits see SIP.

How this was calculated
  1. ৳1,00,000 × (1 + 10%)^5 = ৳1,61,051

How to use

  1. Enter the one-time investment.
  2. Enter the assumed yearly return.
  3. Enter the years to stay invested.

Lump-sum formulas

What Formula Example
Total Principal × (1+rate)^years 100,000 × 1.1^5 = 161,051
Profit Total − principal 161,051 − 100,000 = 61,051

Examples

5 years: 100,000 at 10% — 161,051 taka total.

10 years: 500,000 at 8% — 500,000 × 2.159 = ~1,079,000 taka.

More: the power of compounding

Time fuels compounding — at 10% money doubles in ~7.2 years (rule of 72: 72 ÷ 10). Starting early beats a higher rate started late.

Frequently asked questions

What is the lump-sum formula?

Total = principal × (1 + rate)^years. 100,000 × 1.1^5 = 161,051 taka.

How is it different from SIP?

SIP deposits every month; a lump sum is invested once and left alone. Use it when you hold a large amount.

Where can I invest a lump sum?

FDRs, Sanchayapatra, mutual funds or shares. FDRs for safety, funds for higher expected returns.

Is inflation counted?

No. At 6% inflation, a 10% nominal return grows real value ~3.8%/year.

What if I withdraw early?

Early breaks may cost penalties or lower rates. This math assumes full tenure.

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lumpsum return calculator · one time investment growth