Lumpsum formula
₹1,00,000 invested at 12% for 10 years grows to about ₹3,10,585, a little over three times the money.
Lumpsum or SIP?
A lumpsum puts all your money to work on day one, so it earns more when markets rise steadily. A SIP spreads purchases over time, which reduces the risk of investing everything at a market peak. Many investors do both: a lumpsum when they have spare cash and a SIP from monthly income.
Doubling time
The rule of 72 says money doubles in roughly 72 ÷ rate years. At 12% that is about 6 years. The calculator shows the exact figure for your rate.
Frequently asked questions
How is lumpsum return calculated?
It uses compound growth once a year: final value = amount × (1 + yearly return) raised to the number of years.
Should I invest a lumpsum or start a SIP?
A lumpsum earns more if markets rise steadily after you invest; a SIP lowers the risk of bad timing. Your comfort with short-term swings matters more than the formula.
What does “in today’s money” mean?
It divides the future value by the rise in prices, so you can see what the amount would buy at today’s prices.
Is there an upper limit?
No. Type any amount, such as 5Cr or 10M.