Lumpsum investment calculator
See what a single investment could grow to at a return you choose, and how much of that is growth rather than the amount you put in.
Value in 10 years
₹15,52,924
Amount invested
₹5,00,000
Growth
₹10,52,924
211% in total
- What you put in₹5,00,000(32%)
- What it earned₹10,52,924(68%)
- Invested
- Value
See the numbers
| Year | Invested | Value | Growth |
|---|---|---|---|
| 0 | ₹5,00,000 | ₹5,00,000 | ₹0 |
| 1 | ₹5,00,000 | ₹5,60,000 | ₹60,000 |
| 2 | ₹5,00,000 | ₹6,27,200 | ₹1,27,200 |
| 3 | ₹5,00,000 | ₹7,02,464 | ₹2,02,464 |
| 4 | ₹5,00,000 | ₹7,86,760 | ₹2,86,760 |
| 5 | ₹5,00,000 | ₹8,81,171 | ₹3,81,171 |
| 6 | ₹5,00,000 | ₹9,86,911 | ₹4,86,911 |
| 7 | ₹5,00,000 | ₹11,05,341 | ₹6,05,341 |
| 8 | ₹5,00,000 | ₹12,37,982 | ₹7,37,982 |
| 9 | ₹5,00,000 | ₹13,86,539 | ₹8,86,539 |
| 10 | ₹5,00,000 | ₹15,52,924 | ₹10,52,924 |
- The return is your assumption, not a forecast. Markets do not deliver the same number every year, and a long fall early on hurts more than the average suggests.
- Compounded once a year. A fund that pays out dividends you spend rather than reinvest will not follow this line.
Common questions
Lump sum or SIP?
A lump sum puts every rupee to work immediately, which is an advantage when prices rise and a disadvantage when they fall soon after. A SIP spreads the entry across months. Most people invest what they earn monthly, which is a SIP whether or not they call it one.
What return should I assume?
For long-horizon equity funds, 10 to 12 per cent is the usual planning assumption in India. For debt funds or deposits, use the rate the product actually quotes. A number you cannot defend makes the answer a wish, not a plan.
Other calculators
- SIP calculatorWhat a monthly investment could grow into, with or without a yearly step-up.
- Step-up SIPRaise the instalment every year and see what it adds.
- Goal plannerHow much to invest each month to reach an amount by a date.
- SIP return trackerWhat your own SIP actually earned, instalment by instalment.
This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.