Year-by-year growth
| Year | Value | Gain that year |
|---|
Lumpsum formula
Future value = Amount × (1 + r)ⁿr is the annual return and n the number of years.
Worked example
₹1,00,000 invested for 10 years at 12% grows to about ₹3,10,585 — more than three times the original amount. At the same rate it roughly doubles every 6 years (the rule of 72: 72 ÷ 12 = 6).
Frequently asked questions
Lumpsum or SIP — which is better?
If markets rise steadily, a lumpsum invested earlier earns more because the whole amount compounds for longer. A SIP spreads purchases over time, which reduces the risk of investing everything at a market peak.
What return should I assume?
Use a conservative, long-term figure: roughly 10–12% for diversified Indian equity funds, 6–7% for debt funds and FDs. Returns are never guaranteed.
Does this include tax?
No. Use the capital gains tax calculator to estimate tax when you redeem.
Results are estimates for educational purposes only and are not investment, tax or financial advice. Verify figures with your broker or advisor before acting on them.