Estimate what a single one-time investment could grow into. Unlike a SIP, the whole amount is invested at the start and compounds for the full period.
The invested amount compounds annually at the expected rate of return.
Every year the balance is multiplied by (1 + r), so growth accelerates over time.
Wealth gained is simply the final value minus what you put in.
Future value: FV = P(1 + r)^n
Wealth gained: FV − P
Lumpsum or SIP — which is better?
Neither is always better — they suit different situations. A lumpsum puts your full amount to work right away, which helps if the market goes up from here. A SIP spreads your investment over time, which lowers the risk of investing everything just before a fall. If you already have the money and a long time to invest, a lumpsum has historically done well. If you are investing from your monthly income, a SIP is the natural choice.
Are these returns guaranteed?
No. This calculator uses one fixed rate, but real market returns change every year and can even be negative. Treat this result as an example of how compounding works, not a prediction.