See what a one time investment grows to. Enter the amount, the expected return, and the years. Get the maturity value, the gains, and a year by year table.
How is this different from a SIP calculator?
A lumpsum is one deposit made today. A SIP is a fixed amount every month. The same total money invested as a lumpsum usually ends higher, because every rupee compounds for the full period instead of joining late.
Why does the money double faster than I expect?
Compounding pays interest on your interest. At 12% a year, money doubles in about 6.1 years, doubles again by year 12, and again by year 18. The last doubling adds more rupees than the first three put together.
What is the rule of 72?
Divide 72 by the return to guess the doubling time. At 12%, that is 6 years. The exact answer is 6.12 years. The rule is close enough for mental maths between 6% and 15%.
Should I invest a lump sum all at once in equity?
It depends on your nerve, not on maths alone. Investing everything at once wins on average, but a fall right after you invest is hard to sit through. Many people split a large amount over three to six months instead.
Does this account for inflation?
No. The maturity value is in future rupees, which buy less than today. Run the same number through the inflation calculator to see what it is really worth.
Can I use this for an FD?
Only roughly. Banks compound quarterly, not yearly, so an FD ends slightly higher than this page shows. Use the FD calculator for an exact maturity figure.