₹1.66 lakh less
Put the same amount in a year later, ending on the same date, and it could grow to ₹13.87 lakh instead of ₹15.53 lakh.
Lumpsum calculator
₹5,00,000 put in once for 10 years could grow to ₹15.53 lakh at an assumed return of 12% a year.
- Verified 4 October 2026
- Formula shown
- By the Accurio.in team
Could grow to
₹15.53 lakh
In 10 years at an assumed 12% a year
- You put in
- ₹5,00,000
- Assumed growth
- ₹10,52,924
Value after 10 years₹15,52,924
Try a what-if
6 years 2 months
At an assumed 12% a year, money doubles within this time. Returns are not guaranteed.
₹12.97 lakh
What the same amount could grow to at an assumed 10% instead of 12%. Returns are not guaranteed.
See how it could grow
You put inAssumed growthDrag across the chart
At an assumed 12% a year, the value passes double the amount during year 7.
| Year | Growth | Value |
|---|---|---|
| Year 1 | ₹60,000 | ₹5,60,000 |
| Year 2 | ₹1,27,200 | ₹6,27,200 |
| Year 3 | ₹2,02,464 | ₹7,02,464 |
| Year 4 | ₹2,86,760 | ₹7,86,760 |
| Year 5 | ₹3,81,171 | ₹8,81,171 |
| Year 6 | ₹4,86,911 | ₹9,86,911 |
| Year 7 | ₹6,05,341 | ₹11,05,341 |
| Year 8 | ₹7,37,982 | ₹12,37,982 |
| Year 9 | ₹8,86,539 | ₹13,86,539 |
| Year 10 | ₹10,52,924 | ₹15,52,924 |
Market returns go up and down. The same plan at other assumed returns:
| Assumed return | Could grow to | Growth |
|---|---|---|
| 6% a year | ₹8.95 lakh | ₹3.95 lakh |
| 8% a year | ₹10.79 lakh | ₹5.79 lakh |
| 10% a year | ₹12.97 lakh | ₹7.97 lakh |
| 12% a year | ₹15.53 lakh | ₹10.53 lakh |
| 14% a year | ₹18.54 lakh | ₹13.54 lakh |
How this is calculated
The formula
Value = P × (1 + r)n
- P = the amount put in once at the start, r = the assumed yearly return, n = the number of years.
- The value grows by exactly the assumed rate each year: 12% a year turns ₹1 into ₹1.12 after a year.
- For a goal, the amount needed today is the goal ÷ (1 + r)n, rounded up to the next rupee.
Assumptions
- The return is your assumption: a yearly compounded rate, the same every year. Real returns go up and down, can be negative in some years, and are not guaranteed.
- Nothing is added or withdrawn during the period.
- Tax on gains and exit loads are not included. Use a return after fund costs.
Is the assumed return guaranteed?
No. It is a number you choose to see what an amount could become. Market-linked investments can earn more or less than this, and can lose value. The “Other returns” tab shows the same amount at other rates.
Why might another lumpsum calculator show a bigger number?
A calculator that grows the amount every month by the yearly rate ÷ 12 makes 12% into 1% a month, which compounds to 12.68% a year. This page grows it by exactly the yearly rate you enter, because fund returns are published as yearly compounded rates (CAGR). For ₹5 lakh over 10 years at 12%, that is ₹15.53 lakh here and ₹16.5 lakh at 1% a month.
What is the difference between a lumpsum and a SIP?
A lumpsum puts the whole amount in at once; a SIP puts in a fixed amount every month. The SIP calculator shows the monthly way. This page only shows what an amount could grow to at a return you assume; which way suits you is your decision.
What changed
This calculator grows the amount at the yearly return you assume, using the formula shown above. No government rate or limit goes into it, so no rule change affects it. Its method was last checked on 4 October 2026.
Mistakes we have fixed on any page are listed on Corrections.