Lumpsum calculator
What a one-time investment could grow to at the yearly return you expect. ₹1,00,000 invested for 10 years at 12% a year comes to about ₹3,10,585, a little over three times the amount.
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Your figures
Results
Estimated value
₹3,10,585
about ₹3.11 lakh, 3.11× what you put in
- Amount invested
- ₹1,00,000
- Estimated returns
- ₹2,10,585
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How it grows
- Invested
- Estimated returns
Year by year
| Year | Estimated returns | Value at year end |
|---|---|---|
| 1 | ₹12,000 | ₹1,12,000 |
| 2 | ₹25,440 | ₹1,25,440 |
| 3 | ₹40,493 | ₹1,40,493 |
| 4 | ₹57,352 | ₹1,57,352 |
| 5 | ₹76,234 | ₹1,76,234 |
| 6 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹2,10,585 | ₹3,10,585 |
How this is calculated
The amount grows by the yearly return, compounded once a year:
Value = P × (1 + r)^t
where P is the amount invested, r is the yearly return ÷ 100 and t is the number of years.
- A steady return is assumed. Market investments rise and fall, so the value on any given day can be well above or below this.
- Not included: exit loads, stamp duty and tax on gains. A fund’s reported returns are already after its expense ratio.
- To find the yearly return of an investment you already have, from what you put in and what it’s worth now, use the CAGR calculator.
Questions
How long does it take money to double?
At 12% a year, about 6 years. A quick rule: divide 72 by the yearly return. At 8%, it takes about 9 years; at 6%, about 12.
Why does the gain grow faster in later years?
Each year’s return is earned on the whole value, earlier gains included. That’s compounding: the growth itself grows. The chart shows it as the returns part getting taller each year.
Should I invest a lumpsum all at once or through a SIP?
Investing at once gives the money more time in the market. Spreading it over a few months with a SIP or a systematic transfer plan lowers the risk of buying just before a fall. Compare the two with the SIP calculator.
Keep track of your investments in Quilleaf
Quilleaf is a free app for Android that keeps your money ledger on your phone, with no sign-up. It keeps FDs, RDs, SIPs, lumpsum mutual funds, stocks, PPF and more, with what you put in and what they’re worth.
- For funds, stocks, NPS and gold, type in the value from your broker or fund app.
- See your net worth: what you have, less what you owe, month by month.
More calculators
SIP calculator
What a monthly SIP could grow to, with an optional yearly step-up.
CAGR calculator
The yearly growth rate between a starting and an ending value.
FD calculator
Fixed deposit maturity and interest, compounded quarterly, with monthly or quarterly payouts.
Inflation calculator
What today’s cost becomes after inflation, and what money will be worth.
These figures are estimates to help you plan, not financial advice. Banks, lenders and fund houses round and time things their own way, and rates change: check with them before you decide.