Model your investment with an initial lump sum, optional monthly SIP, and additional deposits or withdrawals at specific years. See a full year-by-year growth timeline with compound interest.
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Total invested—
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Growth timeline
How to use
Enter your initial lump-sum investment in the Principal field.
Set the expected annual interest/return rate and total investment period in years.
Choose compounding frequency — monthly is typical for mutual funds and FDs.
Optionally add a monthly SIP amount to model regular contributions.
Click "Add deposit / withdrawal" to model additional lump sums at specific years. Use a negative value for withdrawals.
The results section shows total invested, total returns, and final corpus. The timeline below shows year-by-year growth.
Frequently Asked Questions
What is a phased investment?
A strategy where you invest an initial lump sum and add more at specific intervals. This calculator models each phase compounding independently, giving you a realistic picture of long-term growth.
How does the SIP option work here?
The monthly SIP runs throughout the entire period. Each segment's SIP future value is computed using the standard formula: SIP × ((1+r)^n − 1) / r × (1+r), then summed up.
Can I model a withdrawal mid-period?
Yes — in the "Additional deposits / withdrawals" section, enter a negative amount. The remaining balance after the withdrawal continues compounding until the end of the period.
What compounding frequency should I choose?
Monthly for mutual funds, FDs, and most modern instruments. Annual for PPF and NSC. More frequent compounding yields a slightly higher corpus at the same nominal rate.
If I invest ₹1 lakh at 12% for 20 years, what corpus do I get?
With annual compounding: ≈ ₹9.65 lakh. With monthly compounding: ≈ ₹10.89 lakh. The difference illustrates the significant impact of compounding frequency over long periods.
Did you know?
Albert Einstein reportedly called compound interest "the eighth wonder of the world." At 12% annual compounding, money doubles roughly every 6 years (the Rule of 72).
India's equity mutual fund industry manages over ₹60 lakh crore in assets as of 2024, with SIP accounts crossing 10 crore — the bulk driven by 10–20 year long-term investors.
A 25-year-old investing ₹5,000/month at 12% until age 60 accumulates over ₹3.5 crore — starting at 35 with the same amount yields less than ₹1.2 crore, showing how early start dramatically outweighs contribution size.