Lump Sum Investment Calculator
Enter the amount, expected return, fee and holding period.
Future value
β
Enter values above
Investment growth
β
Multiple of capital
β
Net annual return
β
Value after 10 years
β
Fee cost
β
Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Lump sum ($) | 100000 |
| Expected return (%) | 7 |
| Expense ratio (%) | 0.1 |
| Years | 15 |
| Result | Value |
|---|---|
| Future value | $272,061 |
| Investment growth | $172,061 |
| Multiple of capital | 2.7x |
| Net annual return | 6.90% |
| Value after 10 years | $194,884 |
| Fee cost | $3,843 |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Lump Sum Investment Calculator
- Lump sum ($) β default 100000
- Expected return (%) β default 7
- Expense ratio (%) β default 0.1
- Years β default 15
- Press Calculate to update the results instantly.
Frequently asked questions
Historically a lump sum wins about two-thirds of the time because markets rise more often than they fall. Spreading the money in reduces regret but on average leaves you slightly behind.
For a global equity portfolio, a nominal 7% is a common planning assumption. Subtract your fee here, and consider using a lower real return if you want today's money.
Because compounding is exponential, not linear. At 7% net, money roughly doubles every ten years, so 15 years gives about 2.8x rather than the 1.5x a linear estimate suggests.