Investment Growth Calculator
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%.
Projected Value
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-by-Year Projection
| 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 |
How to use the Investment Growth Calculator
Three modes, one tool. Pick the one that matches your question.
- 01
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.
- 02
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.
- 03
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 present-day money.
What people use it for
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.
Worked examples for each mode
SIP mode: ₹10,000 a month for 20 years at an assumed 12% grows to about ₹99.9 lakh, from ₹24 lakh invested. Each instalment is treated as invested at the start of the month.
Lump sum mode: ₹5,00,000 invested once for 20 years at 12%, compounded yearly, grows to about ₹48.2 lakh, nearly ten times the original.
Goal mode works backwards. To build ₹1 crore in 20 years at 12%, you'd need a monthly SIP of about ₹10,009. The inflation setting, 6% to start, then shows what that corpus is worth in present-day money: ₹1 crore in 20 years buys roughly what ₹31.2 lakh buys now.
| Mode | Inputs | Result |
|---|---|---|
| SIP | ₹10,000 a month, 12%, 20 years | About ₹99.9 lakh |
| Lump sum | ₹5,00,000 once, 12%, 20 years | About ₹48.2 lakh |
| Goal | ₹1 crore target, 12%, 20 years | About ₹10,009 a month needed |
| Inflation check | ₹1 crore in 20 years at 6% inflation | About ₹31.2 lakh in present-day money |
Reading the results sensibly
- The return is an assumption. Equity has historically returned more than bonds and deposits over long periods, but with large swings; a steady 12% every year doesn't happen in practice.
- Lump sums are compounded yearly and SIPs monthly, so compare like with like when switching modes.
- Fund costs and tax on gains aren't deducted, and both reduce the final figure.
- Use the inflation-adjusted value when planning a goal such as retirement; the nominal figure always looks bigger than it will feel.
Frequently asked questions
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