About this calculator
The return you enter is an assumption. Market-linked investments do not grow evenly: some years are much better than average and some are negative. Use the result to compare scenarios rather than as a forecast.
How to use it
- Enter the amount you will invest once.
- Enter a yearly return you consider realistic.
- Enter the number of years you will stay invested.
- Compare the estimated value with the amount invested.
The formula
- FV
- the estimated value at the end
- P
- the amount invested
- r
- the expected yearly return as a decimal (12% = 0.12)
- n
- the number of years
Worked example
₹1 lakh for 10 years at 12%
- 1.1210 = 3.10585.
- FV = 1,00,000 × 3.10585 = ₹3,10,585.
- The estimated returns are ₹2,10,585, so the money roughly triples.
What the result means
The value ÷ invested figure shows how many times your money multiplies. At 12% a year money roughly doubles in 6 years and triples in about 10, which is why time in the market matters so much.
If you are choosing between investing a lump sum now and spreading it out, compare this result with the SIP calculator. A lump sum gains more if markets rise steadily; spreading it out lowers the risk of investing just before a fall.
Assumptions
- The return is the same every year and compounds yearly.
- Nothing is added or withdrawn during the period.
- Fund expenses are already reflected in the return you enter.
Limitations
- Actual market returns vary year to year and can be negative. The real value on your chosen date can be much higher or lower.
- Exit loads, stamp duty and capital gains tax are not included.
- Inflation is not deducted, so the result is in future rupees.
Frequently asked questions
Is lumpsum better than SIP?
Neither is always better. A lump sum invested early earns more if markets rise; a SIP spreads your purchase price and reduces the risk of bad timing. Many people invest a lump sum through a short STP or SIP instead.
What return should I expect?
There is no fixed answer. Run the calculator at two or three rates, for example 8%, 10% and 12% for equity, and plan with the lower result.
Is the estimated value guaranteed?
No. Mutual fund investments are subject to market risk; the result only shows what a steady return would produce.
For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.
Last reviewed on 1 October 2026. Found a mistake? Tell us.