How to use
- Enter the amount you invest once.
- Enter the yearly return you expect.
- Enter how many years you will stay invested.
- See the total value and your estimated returns.
Formula
Future value = P × (1 + r)n, where P = amount invested, r = yearly return ÷ 100 and n = years.
Tips and common uses
The rule of 72
Divide 72 by the yearly return to estimate how many years it takes to double your money. At 12% a year that is about 6 years. This calculator gives the exact figure for your numbers.
Try more than one return
Mutual fund returns are not fixed, so run the calculation at a cautious, a moderate and an optimistic rate, for example 8%, 10% and 12%, and plan around the lower one.
Remember inflation and tax
The result is before tax and before inflation. If prices rise 6% a year, a 10% return is only about 4% in real terms, which matters for long-term goals.
Frequently asked questions
Lumpsum or SIP — which is better?
Lumpsum can earn more if markets rise after you invest; SIP spreads your investment over time and reduces the risk of investing everything at a high point. Many people use both.
Are the returns guaranteed?
No. Mutual fund returns depend on the market. This calculator only shows an estimate for the return you enter.
How long does it take to double my money?
Divide 72 by the return. At 12% a year, money doubles in about 6 years.