एकरकमी गुंतवणूक कॅल्क्युलेटर
एकदाच केलेल्या गुंतवणुकीचे भविष्यातील मूल्य, नफा आणि महागाईनुसार समायोजित मूल्य काढा
| वर्ष | मूल्य | नफा | आजच्या पैशांत |
|---|---|---|---|
| १ | ₹१,१२,००० | ₹१२,००० | ₹१,०५,६६० |
| २ | ₹१,२५,४४० | ₹२५,४४० | ₹१,११,६४१ |
| ३ | ₹१,४०,४९३ | ₹४०,४९३ | ₹१,१७,९६० |
| ४ | ₹१,५७,३५२ | ₹५७,३५२ | ₹१,२४,६३७ |
| ५ | ₹१,७६,२३४ | ₹७६,२३४ | ₹१,३१,६९२ |
| ६ | ₹१,९७,३८२ | ₹९७,३८२ | ₹१,३९,१४७ |
| ७ | ₹२,२१,०६८ | ₹१,२१,०६८ | ₹१,४७,०२३ |
| ८ | ₹२,४७,५९६ | ₹१,४७,५९६ | ₹१,५५,३४५ |
| ९ | ₹२,७७,३०८ | ₹१,७७,३०८ | ₹१,६४,१३८ |
| १० | ₹३,१०,५८५ | ₹२,१०,५८५ | ₹१,७३,४२९ |
हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.
हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी
भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.
कसे वापरावे
- एकरकमी गुंतवणूक या रकान्यात गुंतवायची रक्कम भरा.
- अपेक्षित परतावा (वार्षिक) आणि वर्षांमध्ये गुंतवणुकीची मुदत भरा.
- भविष्यातील मूल्याची आजच्या पैशांत किंमत किती, हे पाहण्यासाठी महागाई (वार्षिक) दर भरा. हे नको असल्यास 0 भरा.
- आपण टाइप करताच निकाल बदलतात. भविष्यातील मूल्य, आपला नफा, आजच्या पैशांतील मूल्य आणि आपले पैसे किती पट होतात हे दिसते, सोबत वर्षनिहाय आलेख आणि तक्ताही.
What is a lumpsum investment?
A lumpsum investment is money you put in all at once instead of spreading it over months like a SIP. It might be a bonus, an inheritance, money from selling a plot or a maturing FD. That money then compounds for the whole period, which means each year's returns earn returns of their own. This lumpsum calculator shows how a one-time investment could grow, and what the final amount is really worth after inflation.
The formula
Value in today's money = future value ÷ (1 + i)n
Real return ≈ (1 + r) ÷ (1 + i) − 1
P is the amount invested, r the expected yearly return, n the number of years and i the inflation rate. Returns compound once a year, which is how mutual fund returns (CAGR) are usually quoted.
Worked example
You invest ₹1,00,000 once and expect 12% a year for 10 years:
- Future value = 1,00,000 × 1.1210 = ₹3,10,585. That's a gain of ₹2,10,585, and your money has grown 3.11×.
- With 6% inflation, that amount buys what ₹1,73,429 buys today. Your real return is about 5.66% a year.
How ₹1 lakh grows at different returns
| Return per year | 5 years | 10 years | 20 years |
|---|---|---|---|
| 7% | ₹1,40,255 | ₹1,96,715 | ₹3,86,968 |
| 10% | ₹1,61,051 | ₹2,59,374 | ₹6,72,750 |
| 12% | ₹1,76,234 | ₹3,10,585 | ₹9,64,629 |
| 15% | ₹2,01,136 | ₹4,04,556 | ₹16,36,654 |
Two things stand out. Time matters most: at 12%, staying in for 20 years instead of 10 triples the result. And small differences in return add up. Over 20 years, 15% gives nearly two and a half times what 10% does.
The rule of 72
Here's a quick mental check. Divide 72 by the yearly return to estimate how many years it takes to double your money. At 8% that's about 9 years; at 12%, about 6. The calculator shows the exact doubling time for your rate.
Lumpsum or SIP?
- A lumpsum spends more time in the market, so it tends to earn more if markets rise steadily. The risk is that you buy everything at a high point.
- A SIP averages your purchase price over time and suits a monthly salary.
- If you have a large amount for equity funds and worry about timing, there's a common middle path. Park it in a liquid or debt fund and move it into equity in instalments over a few months. This is called a Systematic Transfer Plan (STP).
Keep in mind
- Market-linked returns change from year to year and aren't guaranteed. The calculator assumes the same return every year.
- Tax on gains isn't deducted. That means capital gains tax on mutual funds, or tax at your slab rate on FD interest. What you keep after tax will be lower.
- For fixed deposits that compound quarterly, use our FD calculator to get the exact bank figures.