What this calculation tells you
A one-time investment has a different contribution pattern from a monthly SIP. Here, all the money is invested at the start and remains invested for the entire period. There are no later deposits or withdrawals.
Compare the opening amount with the projected final value, not just the growth percentage. Compounding multiplies the balance from one year to the next; a negative return compounds losses in exactly the same mathematical way. Use several assumptions rather than treating one output as a forecast.
The method, explained
Future value = P × (1 + annual return ÷ 100)^years
The inputs use the units printed beside each field. Values shown in result cards are rounded for readability; the calculator keeps more precision while applying the formula.
A worked example
One-time investment: ₹1,00,000.00 · Assumed annual return: 10 % · Investment period: 10 years.
Estimated future value: ₹2,59,374.25
This example uses the inputs above. Your result changes when you change them.
Assumptions & limitations
- The annual return is an effective rate and remains unchanged throughout the projection.
- The estimate excludes fees, tax and inflation, so it is not a take-home or purchasing-power figure.
- The projection assumes all gains remain invested.
Questions about this tool
Is the default rate a recommendation?
No. Every pre-filled figure is an illustration that you can replace with your own scenario.
Can the projected gain be negative?
Yes. If you enter a negative annual return, the final value can fall below the initial investment.
Context checked 30 September 2026. External sources do not endorse this tool.
Published by Sanu Tech Innovation LLP · Model notes updated 30 September 2026. Read our calculation standards or report a reproducible issue.