Calculator
Lumpsum calculator
See what a single investment could compound into — before inflation and tax.
Total ₹3.11 L (₹1.00 L principal + ₹2.11 L gains)
Hover any bar for the yearly breakup. Assumes annual compounding at a constant rate. Real returns fluctuate year to year.
What this calculator answers
₹1,00,000 invested in one go at 12% a year becomes about ₹3,10,585 in 10 years, of which ₹2,10,585 is growth. Enter the amount, expected return and years to project a one-time investment.
How it is calculated
Annual compounding: total = principal × (1 + rate)^years, with the same formula evaluated at each year for the chart.
Returns are treated as one steady annual rate. Real market returns vary year to year and can be negative in some years.
Common questions
How is this different from the compound interest calculator?
The growth is the same idea; the difference is the compounding frequency. This calculator uses annual compounding for a market investment, while the compound interest calculator lets you pick yearly, half-yearly, quarterly or monthly.
Lumpsum or SIP?
A lumpsum compounds from day one; a SIP spreads entry price across months. Which suits you depends on your horizon and on whether the money is already available.
Should I assume a 12% return?
12% is a long-run equity planning figure, not a promise. Run the same amount at a lower rate to see what a disappointing decade would look like.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.