How to use Lumpsum Calculator
A single investment can grow through compounding when gains remain invested. This estimate uses the same effective annual growth rate throughout the selected duration. It separates the original amount from the estimated growth.
There are no additional deposits or withdrawals. Use the SIP calculator for regular monthly contributions. A fractional year is calculated as a fractional compounding exponent, rather than a bank-specific day count.
The formula
A worked example
Initial investment (₹): 100000 · Annual rate (%): 8 · Duration (years): 10
Estimated future value: ₹2,15,892.50
Hypothetical annual compounding, before taxes and fees.
Questions about this calculation
Can I add monthly deposits here?
No. Use the SIP calculator to model recurring monthly deposits.
What does an 8% rate mean?
It means an assumed effective annual growth rate of 8%, repeated each year. It is not a promised return.
Formula checks: 2026-10-08. Assumptions & corrections.