The amount you invest once, at the start.
Your own assumption, not a promised or guaranteed return.
How long the money stays invested.
Quick examples
Investing ₹1,00,000 once for 10 years at an assumed 12% annual return.
What each result means
Amount invested
What it is: The single amount you put in at the start.
Your value: ₹1,00,000
Your own money, before growth.
Estimated returns
What it is: Projected growth on top of your investment, at your assumed return.
Your value: ₹2,10,585
The growth part — not guaranteed.
Future value
What it is: Investment plus estimated returns at the end.
Your value: ₹3,10,585
The headline projection.
Growth multiple
What it is: Future value divided by the amount invested.
Your value: 3.11×
2× means your money doubled under your assumption.
Approx. doubling time
What it is: Years for the money to double at your assumed return, using ln 2 ÷ ln(1 + r).
Your value: 6.1 years
A quick way to feel what a return rate means.
Year-by-year breakdown
| Year | Opening value (₹) | Growth this year (₹) | Total returns (₹) | Value at year end (₹) |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,000 | ₹12,000 | ₹1,12,000 |
| 2 | ₹1,12,000 | ₹13,440 | ₹25,440 | ₹1,25,440 |
| 3 | ₹1,25,440 | ₹15,053 | ₹40,493 | ₹1,40,493 |
How to read this: each row is one year. Growth is added on the opening value, so each year's growth is larger than the last. The highlighted row is your final year.
Showing the first 3 of 10 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
A lumpsum investment puts a single amount to work at once. This calculator grows it at your assumed annual return, compounded once a year, and shows its projected value at the end of your chosen period.
What your result means
The future value is a projection based on your own numbers, not a promised outcome. A longer duration has an outsized effect because each year's growth itself earns growth.
Formula
1. Compound growth of a lumpsum
Symbols
- FV
- Future value (₹)
- P
- Amount invested (₹)
- r
- Assumed annual return (decimal)
- t
- Years invested
Why this formula works
Each year the whole balance grows by r, so after t years the starting amount has been multiplied by (1 + r) t times.
Unit check
₹ = ₹ × (no unit). ✓
Worked example
P = ₹1,00,000, r = 12%, t = 10: FV = 1,00,000 × (1.12)¹⁰ ≈ ₹3,10,585.
Common mistakes
Entering 12 instead of 0.12. Multiplying r × t (that is simple interest, not compounding).
Working for your numbers
- Growth factor per year = 1 + 12% = 1.1200
- (1 + r)ᵗ = 1.1200^10 = 3.1058
- FV = ₹1,00,000 × 3.1058 = ₹3,10,585
- Estimated returns = ₹3,10,585 − ₹1,00,000 = ₹2,10,585
Frequently asked questions
Is a lumpsum better than a SIP?
Neither is better in general. With the same total amount and a steadily rising market, a lumpsum grows more because all the money is invested longer; a SIP spreads the timing. This calculator only shows the numbers under your assumptions.
Is the expected return guaranteed?
No. The return you enter is your own assumption, not a promise. Market-linked returns go up and down, and actual results will differ from this projection.
How often are the figures on this page updated?
The formulas don't change. The FY label and sources are checked on the review date shown below. This calculator does not use tax-specific limits.
When should I talk to a professional instead of relying on this calculator?
Before a real investment decision, especially a large or long-term one, consult a SEBI-registered investment adviser. This calculator is for educational planning only and does not consider taxes, costs or your risk profile.
Symbols and assumptions
- P
- Amount invested (₹)
- r
- Assumed annual return (%)
- t
- Years invested
- The whole amount is invested on day one.
- A constant annual return, compounded yearly — real returns vary.
- Does not account for taxes (e.g. capital gains tax), expense ratios, exit loads or inflation.
- Figures are in Indian Rupees (₹).
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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How it works
A one-time investment in a mutual fund or stock that grows over time through compound interest.
The formula
A = P × (1 + r)^t- A
- Future Value
- P
- Principal Amount
- r
- Annual Return Rate
- t
- Time in Years
Worked example
₹1,00,000 invested for 10 years at 12% becomes ~₹3,10,585.
Pro tips
- Best for windfall gains like bonuses or inheritance.
Common mistakes
- Trying to perfectly time the market.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.