Project the growth of a single one-time investment over a chosen period at an expected annual rate of return, with the year-by-year compounding shown in full.
The maturity value uses standard annual compounding: M = P × (1 + r)^n, where P is the amount invested, r is the annual rate as a decimal, and n is the number of years. Every year's closing value is listed so you can see how much of the final figure is principal and how much is compounding.
Mathematically a lump sum wins when markets rise steadily from the moment you invest, because the full amount compounds for the entire period. A SIP wins when markets fall then recover, because later instalments buy at lower prices. Since neither is knowable in advance, the choice usually comes down to whether you already hold the money and how you would react to an immediate drawdown.
No, the figures are pre-tax. Gains on equity funds held over a year are taxed at 12.5% above the ₹1 lakh annual exemption, and debt fund gains are taxed at your slab rate. The capital gains calculator on this site handles both cases.
This calculator is for information only and is not investment, tax, or financial advice. Figures are estimates based on the assumptions you enter and are not a guarantee of future returns. Consult a SEBI-registered adviser or a qualified tax professional before acting.