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See how a lump sum or monthly SIP grows over time. Set a target corpus, factor in inflation, and get a year-by-year breakdown of your wealth.
Nifty 50 has averaged ~12–14% over 20-year periods. Debt funds: 6–8%.
Maturity Value
₹99.91 L
Total Invested
₹24.00 L
Wealth Gained
₹75.91 L
Return on Investment
₹24.00 L → ₹99.91 L(+316.3%)
| Year | Invested | Value | Gains |
|---|---|---|---|
| Year 1 | ₹1.20 L | ₹1.28 L | +₹8,093 |
| Year 2 | ₹2.40 L | ₹2.72 L | +₹32,432 |
| Year 3 | ₹3.60 L | ₹4.35 L | +₹75,076 |
| Year 4 | ₹4.80 L | ₹6.18 L | +₹1.38 L |
| Year 5 | ₹6.00 L | ₹8.25 L | +₹2.25 L |
| Year 6 | ₹7.20 L | ₹10.58 L | +₹3.38 L |
| Year 7 | ₹8.40 L | ₹13.20 L | +₹4.80 L |
| Year 8 | ₹9.60 L | ₹16.15 L | +₹6.55 L |
| Year 9 | ₹10.80 L | ₹19.48 L | +₹8.68 L |
| Year 10 | ₹12.00 L | ₹23.23 L | +₹11.23 L |
| Year 11 | ₹13.20 L | ₹27.46 L | +₹14.26 L |
| Year 12 | ₹14.40 L | ₹32.23 L | +₹17.83 L |
| Year 13 | ₹15.60 L | ₹37.59 L | +₹21.99 L |
| Year 14 | ₹16.80 L | ₹43.64 L | +₹26.84 L |
| Year 15 | ₹18.00 L | ₹50.46 L | +₹32.46 L |
| Year 16 | ₹19.20 L | ₹58.14 L | +₹38.94 L |
| Year 17 | ₹20.40 L | ₹66.79 L | +₹46.39 L |
| Year 18 | ₹21.60 L | ₹76.54 L | +₹54.94 L |
| Year 19 | ₹22.80 L | ₹87.53 L | +₹64.73 L |
| Year 20 | ₹24.00 L | ₹99.91 L | +₹75.91 L |
Three modes, one tool. Pick the one that matches your question.
Pick a mode
SIP calculates how a fixed monthly investment grows. Lump Sum shows how a one-time investment compounds. Goal Planner works backwards — enter a target corpus and it tells you the monthly SIP required to get there.
Enter your numbers
For SIP: monthly amount, expected annual return, and years. For lump sum: the principal, rate, and years. The projection updates instantly — no button to click.
Turn on inflation adjustment
The default result shows nominal value — what the number will be. Enable inflation adjustment to see real value — what that money will actually buy. At 6% inflation, ₹1 Cr in 20 years is worth about ₹31 L in today's money.
Planning a retirement corpus
Enter your target retirement amount and years to retirement. The Goal Planner shows the exact monthly SIP needed. Most people are surprised how achievable it is when started early.
Comparing SIP vs lump sum
Got a bonus or windfall? Run both modes with the same rate and years to see whether investing it all now or spreading it monthly gives a better outcome. (Lump sum usually wins at the same rate, but SIP reduces timing risk.)
Understanding the cost of waiting
Run the same SIP at 12% for 25 years, then for 20 years. The 5-year difference is often more than the total amount invested in those 5 years — that's compounding.
Checking if a return assumption is realistic
Nifty 50 index funds have averaged 12–14% over 20-year periods. Debt funds return 6–8%. Small-cap funds can hit 15–18% but with much higher volatility. Use realistic rates, not best-case ones.
Compound Interest Calculator
Lump-sum growth with daily, monthly, or annual compounding.
SIP Calculator
Monthly SIP projections with portfolio breakdown.
Rental Income Growth Calculator
Net yield, cash flow, and breakeven for rental properties.
PPF Calculator
Project your PPF corpus with the current 7.1% tax-free rate.
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