Invested a single amount and want to know what it could grow into? Enter your one-time investment, the expected annual return and how long you'll stay invested to see the maturity value and your total gains.
Example: ₹5,00,000 invested at 12% for 10 years grows to about ₹15,52,924 — gains of ₹10,52,924, more than double the original amount.
Maturity value of a ₹1,00,000 lumpsum at different returns and durations:
| Return | 5 Years | 10 Years | 20 Years |
|---|---|---|---|
| 8% | ₹1,46,933 | ₹2,15,892 | ₹4,66,096 |
| 10% | ₹1,61,051 | ₹2,59,374 | ₹6,72,750 |
| 12% | ₹1,76,234 | ₹3,10,585 | ₹9,64,629 |
| 15% | ₹2,01,136 | ₹4,04,556 | ₹16,36,654 |
Look at the 20-year column. This is compounding — the longer you stay invested, the more dramatic the growth becomes.
| Lumpsum | SIP | |
|---|---|---|
| How you invest | One large amount at once | Fixed amount every month |
| Best when | Markets are low or you have idle cash | You earn a monthly salary |
| Timing risk | High — everything enters at one price | Low — cost averages over time |
| Discipline needed | Less — one decision | More — but automated |
Many investors do both: a lumpsum when a bonus or windfall arrives, and a monthly SIP for regular savings.
Investing a single large amount at one time, rather than spreading it across monthly instalments. Common when you receive a bonus, maturity payout or inheritance.
Neither is universally better. Lumpsum works well when you have idle money and markets are reasonably valued. SIP suits regular monthly income and reduces timing risk.
A cautious planning figure is 10%–12% for equity funds over the long term and 6%–8% for debt. These are historical averages, not promises — actual returns vary widely.
No. Market-linked investments carry risk and can fall in value. This calculator projects growth at a fixed rate to help you plan — it is not a forecast.
Compound Annual Growth Rate — the steady yearly rate that would take your investment from its starting value to its ending value. It smooths out the ups and downs.
Tax depends on the asset type and how long you hold it. Equity and debt mutual funds follow different rules, and these change from time to time — check current rates or ask a tax advisor.
Open-ended mutual funds allow withdrawal any time, though an exit load may apply within the first year. Products like tax-saving ELSS have a mandatory lock-in.
Short-term falls are normal. Historically, long-term investors who stayed put recovered and grew — but there is no guarantee, and you should invest only what you can leave untouched.
This calculator is for illustration only and does not predict actual returns. Market-linked investments carry risk. For investment decisions, consult a qualified financial advisor.