SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
Lump Sum Calculator
Estimate the future value of a single investment across different compounding frequencies, with a year-wise growth table.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹10,00010 Lakh₹5,00,00,000
130
Returns are not guaranteed.
140
More frequent compounding produces a slightly higher projection at the same quoted rate.
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Estimated future value
₹31,05,848
₹10,00,000 invested today, projected forward 10 years at an assumed 12% a year.
Amount invested
₹10,00,000
Estimated growth
₹21,05,848
68% of the projected value
Invested versus estimated growth
Projected₹31,05,848
- Amount invested32%
- Estimated growth68%
Projected growth over time
The invested amount stays flat; everything above it is projected growth.
Year-by-year projection
| Year | Opening value | Growth this year | Cumulative growth | Closing value |
|---|---|---|---|---|
| 1 | ₹10,00,000 | ₹1,20,000 | ₹1,20,000 | ₹11,20,000 |
| 2 | ₹11,20,000 | ₹1,34,400 | ₹2,54,400 | ₹12,54,400 |
| 3 | ₹12,54,400 | ₹1,50,528 | ₹4,04,928 | ₹14,04,928 |
| 4 | ₹14,04,928 | ₹1,68,591 | ₹5,73,519 | ₹15,73,519 |
| 5 | ₹15,73,519 | ₹1,88,822 | ₹7,62,342 | ₹17,62,342 |
| 6 | ₹17,62,342 | ₹2,11,481 | ₹9,73,823 | ₹19,73,823 |
| 7 | ₹19,73,823 | ₹2,36,859 | ₹12,10,681 | ₹22,10,681 |
| 8 | ₹22,10,681 | ₹2,65,282 | ₹14,75,963 | ₹24,75,963 |
| 9 | ₹24,75,963 | ₹2,97,116 | ₹17,73,079 | ₹27,73,079 |
| 10 | ₹27,73,079 | ₹3,32,769 | ₹21,05,848 | ₹31,05,848 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Expected annual return
- 12%
- Assumed constant. A single lump sum is fully exposed to the market from day one, so the entry point matters more than it does with a SIP.
- Compounding frequency
- Yearly
- Withdrawals
- None assumed
- The projection assumes the investment is left untouched for the whole period.
- Costs and taxes
- Not deducted
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Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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संपत्ति का निर्माण। भविष्य की सुरक्षा।
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
निवेश बाज़ार जोखिमों के अधीन है। रिटर्न की गारंटी नहीं है। कोई भी चर्चा शैक्षिक प्रकृति की होती है और यह किसी वित्तीय उत्पाद को ख़रीदने या बेचने की सिफ़ारिश नहीं है।