Project future value from a lump sum plus monthly contributions. This dedicated page is built for fast, clean calculations and search visibility.
Enter your values, click calculate, and see the result instantly. The page uses a simple, focused layout to improve usability on mobile and desktop.
How to use this calculator
- Open the investment growth calculator page.
- Enter the required values in the form fields.
- Click Calculate to see the result and breakdown.
- Use the related links to explore similar tools.
Understanding investment growth projections
Investment growth calculators model how a lump sum grows over time at a given rate. A lump sum invested at year 0 benefits from the full period of compounding immediately. This contrasts with SIP (periodic investments) where each instalment starts compounding later but benefits from rupee cost averaging across market cycles.
At identical return rates, a lump sum invested immediately always produces a larger final corpus than the same total invested through SIP over time. However, most investors don't have a large lump sum available — and timing a lump sum perfectly is nearly impossible, while SIP removes timing risk entirely.
Return rates by asset class (India, 20-year history)
- Savings account: 3.5–4% (real return: negative after 6% inflation)
- Bank FD (5 years): 6.5–7.5% (real return: near zero)
- Gold (Sovereign Gold Bonds): 8–10% CAGR including coupon
- Nifty 50 index (20-year CAGR): ~12.5%
- Mid-cap mutual funds: 14–18% (higher risk, higher volatility)
- Real estate (tier 1 cities): 6–9% capital appreciation + 2–3% rental yield
Headline return rates are pre-tax. Equity LTCG (held 12+ months) is taxed at 12.5% above ₹1.25 lakh annually. Debt fund gains are taxed at slab rates. FD interest is taxed at slab rates every year, reducing effective FD return significantly for those in the 30% bracket. Run your projection at 1–2% lower net return to approximate post-tax outcomes.