Lumpsum investment calculator
If you invest a single amount today and leave it, compounding does the rest. This calculator shows the future value, the growth and how many times your money multiplies.
How to use this calculator
- Enter the amount you will invest once.
- Enter the expected yearly return.
- Enter the number of years.
- Optionally add inflation to see the result in today's money.
Worked examples
Example 1
₹5,00,000 for 10 years at 12%, with 6% inflation.
You enter
| Amount invested | ₹5,00,000 |
|---|---|
| Expected return (per year) | 12% |
| Years | 10 |
| Inflation (optional) | 6% |
You get
| Future value | ₹15,52,924 |
|---|---|
| Estimated growth | ₹10,52,924 |
| Money multiplies by | 3.11 times |
| Future value in today's money | ₹8,67,145 |
Example 2
The same amount for 20 years.
You enter
| Amount invested | ₹5,00,000 |
|---|---|
| Expected return (per year) | 12% |
| Years | 20 |
| Inflation (optional) | 6% |
You get
| Future value | ₹48,23,147 |
|---|---|
| Estimated growth | ₹43,23,147 |
| Money multiplies by | 9.65 times |
| Future value in today's money | ₹15,03,880 |
How it works
The longer the money stays invested, the more of the final value comes from growth on growth. Doubling the time usually does much more than doubling the result.
Returns are not smooth in real life. Use the result as a scenario, and compare a low and a high return.
Formula
Future value = amount x (1 + yearly return)^years, compounded yearly.
Common questions
Is this the same as an FD?
The maths is the same; an FD's rate is fixed and guaranteed by the bank, an investment's return is not.
Does it include tax?
No.
What if the return is negative in a year?
Use a lower average return to see the effect.
Learn more
Read the lesson Compounding and the time value of money on pusaram.com for the ideas behind this calculator.
Calculators give estimates for learning and planning. They are not financial, tax, legal or medical advice, and results depend entirely on the numbers you enter. Check rates, limits and rules with an official source or a qualified professional before acting.