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Find out how a one-time investment grows over time with the power of compounding. See projected wealth milestones year by year.
* Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future returns. Calculator results are for estimation purposes only and do not constitute investment advice.
Lump sum returns are calculated using the compound interest formula: FV = P × (1 + r)ⁿ, where P is the principal invested, r is the expected annual rate of return, and n is the number of years invested. Our calculator applies this instantly to show your projected corpus.
Lump sum works best when you have a large amount available and can invest during a market dip, potentially generating higher returns. SIP is better for regular income earners as it spreads risk over time through rupee-cost averaging. Many investors combine both strategies.
For equity mutual funds, a conservative long-term estimate is 10–12% annualised, based on historical Nifty/Sensex performance. For debt funds or fixed-income lump sum investments, 6–8% is more realistic. Returns are never guaranteed and depend on market conditions.
Wealth gain ratio shows how many times your original investment has grown — for example, a ratio of 3x means your money tripled over the investment period. It helps visualize the power of compounding beyond just the final amount.
Yes, completely free with no login required. Use it to compare different investment amounts, rates, and durations.
