Investing / Free calculator
Lumpsum calculator
Give a one-time investment a timeframe, then compare the starting amount with its modelled future value.
No signup or account connection. Inputs and results stay in this browser tab, without automatic saving or transmission.
02 / The bigger picture
Estimated future value
₹2,15,892
With the example assumptions shown. An estimate, not a promise.
- Invested amount
- ₹1,00,000
- Modelled growth
- ₹1,15,892
View the yearly numbers
| Year | Principal | Value |
|---|---|---|
| 0 | ₹1,00,000 | ₹1,00,000 |
| 1 | ₹1,00,000 | ₹1,08,000 |
| 2 | ₹1,00,000 | ₹1,16,640 |
| 3 | ₹1,00,000 | ₹1,25,971 |
| 4 | ₹1,00,000 | ₹1,36,049 |
| 5 | ₹1,00,000 | ₹1,46,933 |
| 6 | ₹1,00,000 | ₹1,58,687 |
| 7 | ₹1,00,000 | ₹1,71,382 |
| 8 | ₹1,00,000 | ₹1,85,093 |
| 9 | ₹1,00,000 | ₹1,99,900 |
| 10 | ₹1,00,000 | ₹2,15,892 |
What this assumes
- A one-time investment grows at a constant effective annual assumption.
- Positive and negative returns are scenarios, not forecasts. No further contributions or withdrawals.
- Taxes, fees and inflation are excluded.
Currency is rounded to the nearest rupee for display. See the method and limits ↓
Understand what is behind the number.
Formula and worked example
Future value = investment amount × (1 + annual return ÷ 100)^years.
₹1,000 at an assumed 10% effective annual return for two years gives ₹1,210. At −50% a year for two years, it gives ₹250.
Limits, assumptions and sources
- A one-time investment grows at a constant effective annual assumption.
- Positive and negative returns are scenarios, not forecasts. No further contributions or withdrawals.
- Taxes, fees and inflation are excluded.
Fields show the accepted input ranges. Results above ₹1 lakh crore are rejected. Limits are software modelling bounds, not recommendations or eligibility rules. Different compounding and contribution-timing conventions can produce different results in other calculators.
Methodology v1.0.0, reviewed as an educational scenario. Published 2026-10-30. Our sourcing and correction process.