Lumpsum calculator
One amount, invested once, left alone. This shows what it becomes, how much of that is gain, and what it is actually worth after inflation has taken its share.
Your investment
Nothing is saved and nothing is sent anywhere. The maths runs in your browser.
What it grows to, year by year
| Year | Value | Gain so far | Worth in today's money |
|---|
How this is worked out
The value after n years is the amount invested multiplied by (1 + return) raised to the power n — the standard compounding formula, applied once a year. Because there is only one investment, the CAGR is simply the return you chose; it is shown so the number can be compared with a fund's published CAGR directly.
The last column divides the value by inflation compounded over the same years. That is the honest figure: what the money would buy at today's prices. A return of 12% against inflation of 6% is a real return of about 5.7%, not 6% — the two rates divide, they do not subtract.
Nothing here accounts for exit load, expense ratio or tax. A fund's published return is already net of its expense ratio, so entering that number keeps the expense in. Capital gains tax is not applied at all, so treat the result as the value before tax.
What this is not
A projection is not a promise. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns, and nothing on this page is investment advice.