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Investment Calculator

Find out what your investment could be worth in the future. Invest once, every month or every year, choose how long you pay in and how long you stay invested, and see your estimated gains year by year.

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  • Nothing you enter is stored
  • Updated 30 Sept 2026

Calculate your investment returns

Results update as you change the numbers.

How do you invest?
₹
₹5,000₹50,00,000
1 year40 years
1% p.a.30% p.a.

Estimated value after 10 years

₹3,10,585

  • Amount invested₹1,00,000
    32%
  • Estimated returns₹2,10,585
    68%

At 12% a year, your money doubles roughly every 6.1 years.

With 6% yearly inflation, ₹3.11 L in 10 years will buy about what ₹1.73 L buys today.

Stay invested longer

₹1,00,000 invested once at 12% a year, left to compound for longer.

  • Period
    10 years
    You invest
    ₹1 L
    Estimated value₹3.11 L
  • Period
    15 years
    You invest
    ₹1 L
    Estimated value₹5.47 L
  • Period
    20 years
    You invest
    ₹1 L
    Estimated value₹9.65 L
How your money growsInvested so farEstimated returns
Year-by-year growthSee how your investment builds up each year
YearInvested so farEstimated returnsValue at year end
Year 1₹1,00,000₹12,000₹1,12,000
Year 2₹1,00,000₹25,440₹1,25,440
Year 3₹1,00,000₹40,493₹1,40,493
Year 4₹1,00,000₹57,352₹1,57,352
Year 5₹1,00,000₹76,234₹1,76,234
Year 6₹1,00,000₹97,382₹1,97,382
Year 7₹1,00,000₹1,21,068₹2,21,068
Year 8₹1,00,000₹1,47,596₹2,47,596
Year 9₹1,00,000₹1,77,308₹2,77,308
Year 10₹1,00,000₹2,10,585₹3,10,585

What is a lumpsum investment?

A lumpsum investment is money you put in all at once, instead of in monthly instalments. People often invest a lumpsum when they receive a bonus, sell an asset, or get money back from a maturing deposit or policy.

Because the whole amount starts working from day one, a lumpsum has more time to compound than the same money spread over a SIP. The trade-off is timing: the price on the day you invest matters more.

How are lumpsum returns calculated?

Future value of a lumpsum

Future value = P × (1 + r)ⁿ

  • P is the amount you invest today.
  • r is the expected yearly return, written as a decimal (12% is 0.12).
  • n is the number of years you stay invested.

For example, ₹1,00,000 invested for 10 years at an expected 12% a year grows to about ₹3,10,585. Your estimated gain is about ₹2,10,585, more than twice the amount you put in.

The formula assumes the return is earned and reinvested every year at the same rate. Real mutual fund returns go up and down, so the result is an estimate, not a promise.

Investing every month or every year

Choose Monthly or Yearly to see what a regular investment could grow to. Each instalment is invested at the start of its period and grows at the monthly equivalent of your expected return (the yearly rate divided by 12), the same method our SIP calculator uses.

For example, ₹10,000 a month for 10 years at an expected 12% a year means you invest ₹12,00,000, and the estimated value is about ₹23,23,391.

You do not have to keep paying until the end. Set Invest for to the years you will pay in and Stay invested for to the total time the money stays in the market. Paying ₹10,000 a month for 10 years and then leaving the money invested for another 10 grows to about ₹76,68,088 at 12%, with nothing more added.

How long does it take to double your money?

A quick way to judge a rate of return is the rule of 72: divide 72 by the yearly return to get the approximate number of years it takes your money to double.

Yearly returnYears to double (about)
6%12 years
8%9 years
10%7 years
12%6 years
15%5 years

For a one-time investment, the calculator shows the exact doubling time for the return you choose, just below your result.

Lumpsum or SIP?

LumpsumSIP
How you investAll at onceA fixed amount every month
Time in the marketFull amount from day oneBuilds up gradually
Market timingMatters moreSpread across many prices
SuitsA bonus or other windfallRegular monthly income

If you are worried about investing a large amount just before a fall, you can park it in a liquid or debt fund and move it into an equity fund in instalments over a few months. This is called a systematic transfer plan (STP).

Inflation and your returns

Prices rise over time, so a rupee in the future buys less than a rupee today. At 6% inflation, ₹3.1 lakh in 10 years will buy about what ₹1.73 lakh buys today. The calculator shows this 'today's money' figure below your result so you can plan with realistic numbers.

To grow your wealth in real terms, your investments need to earn more than inflation after tax. That is why long-term goals are usually funded with a mix that includes equity.

How investment gains are taxed

When you sell mutual fund units, the gain is taxed as capital gains. How much you pay depends on the type of fund and how long you held the units. Equity funds held for more than 12 months get a lower long-term rate, while gains on debt funds bought on or after 1 April 2023 are added to your income and taxed at your slab rate.

Tax rules change with each Budget, so check the current rules or speak to a tax adviser before you redeem. This calculator shows returns before tax.

Before you invest

  • Keep an emergency fund of three to six months of expenses in a savings account or liquid fund first.
  • Make sure you have enough health and life cover, so an emergency does not force you to sell investments at a bad time.
  • Match the fund to your goal: equity for goals more than five years away, debt for shorter ones.
  • Check the fund's expense ratio and exit load, which are not included in this calculator.

Frequently asked questions

1.What return should I expect from a lumpsum investment?

It depends on the fund. Long-term equity funds are often planned at 10% to 12% a year and debt funds at 6% to 8%, but past returns do not guarantee future ones. Try a lower rate too, to see a cautious estimate.

2.Is it better to invest a lumpsum or through a SIP?

If you have the money and a long horizon, investing it at once gives it more time to grow. If you are nervous about market timing, spreading it over a few months with an STP is a middle path. Monthly income is best invested through a SIP.

3.Can I stop paying in and stay invested?

Yes. Choose Monthly or Yearly, then set Invest for to fewer years than Stay invested for. The money you have already put in keeps growing until the end of the period, and the yearly table shows nothing added after you stop.

4.What is the minimum lumpsum amount?

Many mutual funds accept a one-time investment from ₹1,000 or ₹5,000, and some from as little as ₹100. Check the scheme information document of the fund you choose.

5.Does the calculator include fund charges and tax?

No. It shows the estimated value before the expense ratio, exit load and tax. The amount you actually receive will be lower.

6.Can I withdraw my lumpsum early?

Most open-ended funds let you redeem at any time, though an exit load may apply if you sell within a set period, often one year for equity funds. ELSS tax-saving funds have a three-year lock-in.

7.Why does the calculator show a value in today's money?

Because of inflation, the same amount buys less in the future. Seeing the result in today's money, assuming 6% yearly inflation, helps you judge whether it will really cover your goal.

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