Savings calculator
Lumpsum growth calculator
See how a one-time amount grows at a yearly return you assume, how sensitive the result is to that assumption, and what the final figure would buy in today's money.
Calculator
Estimate at your assumed return
- Estimated value
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- Estimated gain
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- Growth multiple
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- Value in today's money
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If returns differ from your assumption
| Return per year | Estimated value | In today's money |
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Year by year
| Year | Estimated value | In today's money |
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The formula
FV = P × (1 + R)t
P is the amount invested, R the yearly return as a decimal and t the number of years. Each year's growth is earned on the previous year's total, not just on the original amount; that is compounding. The today's-money column divides each value by (1 + inflation)t.
Worked example
- ₹1,00,000 at an assumed 10% a year.
- After year 1: 1,00,000 × 1.10 = ₹1,10,000.
- After year 2: 1,10,000 × 1.10 = ₹1,21,000.
- After year 3: 1,21,000 × 1.10 = ₹1,33,100, the same as 1,00,000 × 1.13.
A longer case: ₹5,00,000 for 10 years at an assumed 9% grows to ₹11,83,682. If prices rise 6% a year over the same decade, that buys what about ₹6,60,962 buys today.
Sources
Background for the default inflation value and the risk note.
- Goal-based investing: SIP investments for each of your goals (investor education). Association of Mutual Funds in India (Mutual Funds Sahi Hai). Checked 26 October 2026.
- Monetary Policy: overview of the inflation target. Reserve Bank of India. Checked 26 October 2026.
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