SIP
See what a fixed monthly investment in a mutual fund could grow to, for a return you assume.
Mutual funds
Lumpsum calculator
See what a one-time investment could grow to over the years, for a return you assume.
years
%
Your assumption, not a quote. Past returns do not set what comes next.
In today’s money
₹1,00,000 invested once for 10 years at an assumed 12% a year could grow to ₹3.11 lakh on paper. That is 3.11 times what you put in.
- Amount invested
- ₹1,00,000≈ ₹1 lakh
- Estimated gain
- ₹2,10,585≈ ₹2.11 lakh · 211% on top of what you put in
- Estimated total value
- ₹3,10,585≈ ₹3.11 lakh
Growth, year by year
Tap or hover the chart, or use the slider, to read any year.
- Estimated value
- Amount invested
After 10 years
Estimated value
₹3,10,585
Amount invested
₹1,00,000
Year-by-year table
| Year | Estimated value | Amount invested |
|---|---|---|
| 0 | ₹1,00,000 | ₹1,00,000 |
| 1 | ₹1,12,000 | ₹1,00,000 |
| 2 | ₹1,25,440 | ₹1,00,000 |
| 3 | ₹1,40,493 | ₹1,00,000 |
| 4 | ₹1,57,352 | ₹1,00,000 |
| 5 | ₹1,76,234 | ₹1,00,000 |
| 6 | ₹1,97,382 | ₹1,00,000 |
| 7 | ₹2,21,068 | ₹1,00,000 |
| 8 | ₹2,47,596 | ₹1,00,000 |
| 9 | ₹2,77,308 | ₹1,00,000 |
| 10 | ₹3,10,585 | ₹1,00,000 |
Where the total comes from
Tap a segment to see its rupees.
Estimated gain₹2.11 lakh68% of total
Of the ₹3,10,585 total, ₹1,00,000 is money you put in and ₹2,10,585 is estimated growth.
What next
Step-up SIP
See how raising your monthly SIP by a set amount every year changes the final value.STP
Move money from one fund to another in regular instalments and see where each part ends up.CAGR
Turn a starting value and an ending value into a smooth yearly growth rate.
How it works
A lumpsum is one payment made on day one and left alone. Each year the money grows by the yearly return you assume, and the growth itself earns growth after that.
Value = A x (1 + r)^t
A is the amount, r the yearly return as a fraction (12 becomes 0.12) and t the number of years.
A worked example
₹1,00,000 invested once for 10 years at 12 a year becomes ₹3,10,585 (₹3.11 lakh), which is 3.11 times the amount. The gain is ₹2,10,585. This is arithmetic on the rate you enter, not a forecast.
What it leaves out
- Tax on gains.
- Exit load and fund charges.
- Changes in the return from year to year.
- Inflation. Prices rise too, so the same rupees buy less later.
Questions people ask
What return should I assume?
No one can promise a return. Try a low, a middle and a high figure to see the range of outcomes. A fund’s past return does not decide its future return.
Lumpsum or SIP?
A lumpsum is invested all at once, so on paper it grows for longer than the same total spread over months. In real markets the entry point matters, and no one can know it ahead of time. The right choice depends on when you actually have the money and how you feel about swings in value.
Why is the growth so much larger in the later years?
Compounding. Growth in each year is earned on the original amount and on all the growth before it, so the curve bends upward.
Why does another calculator show a different number?
Some tools compound monthly or quarterly instead of yearly. This page compounds once a year. A different period count or rounding can also change the last digits.
Is the value guaranteed?
No. It is the maths for the rate you typed. Market-linked investments can earn less than assumed or lose money.