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Lumpsum Calculator
Enter an amount, a yearly rate and the number of years. We show the compound value and, for comparison, simple interest.
Compound value after 10 years₹2,15,892Gains of ₹1,15,892 on ₹1,00,000.
- Compound gains
- ₹1,15,892
- Simple interest (same rate)
- ₹80,000
- Extra from compounding
- ₹35,892
| Year | Compound value | Simple interest value |
|---|---|---|
| 1 | ₹1,08,000 | ₹1,08,000 |
| 2 | ₹1,16,640 | ₹1,16,000 |
| 3 | ₹1,25,971 | ₹1,24,000 |
| 4 | ₹1,36,049 | ₹1,32,000 |
| 5 | ₹1,46,933 | ₹1,40,000 |
| 6 | ₹1,58,687 | ₹1,48,000 |
| 7 | ₹1,71,382 | ₹1,56,000 |
| 8 | ₹1,85,093 | ₹1,64,000 |
| 9 | ₹1,99,900 | ₹1,72,000 |
| 10 | ₹2,15,892 | ₹1,80,000 |
Simple interest is shown only for comparison; most deposits and funds compound. Tax on the interest is not deducted.
How it is calculated
- Compound: value = amount × (1 + rate ÷ k)^(k × years), where k is how many times a year interest is added.
- Simple interest: interest = amount × rate × years, with no interest on interest.
- The difference between the two is the effect of compounding.
- Interest on fixed deposits is taxable every year; gains on funds are taxed on sale.
Indicative only. Rules change every year; we confirm before filing.
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