worldofcalcsInvestment Return Calculator
Future value
₹3,10,585
Gain
₹2,10,585
210.58%
Worth in today's money
₹1,73,429
Your money doubles every 6.1 years (rule of 72: 6.0).
Year by year
| Year | Value | In today's money |
|---|---|---|
| 1 | ₹1,12,000 | ₹1,05,660 |
| 2 | ₹1,25,440 | ₹1,11,641 |
| 3 | ₹1,40,493 | ₹1,17,960 |
| 4 | ₹1,57,352 | ₹1,24,637 |
| 5 | ₹1,76,234 | ₹1,31,692 |
| 6 | ₹1,97,382 | ₹1,39,147 |
| 7 | ₹2,21,068 | ₹1,47,023 |
| 8 | ₹2,47,596 | ₹1,55,345 |
| 9 | ₹2,77,308 | ₹1,64,138 |
| 10 | ₹3,10,585 | ₹1,73,429 |
What does this calculator show?
It shows what a one-time investment grows to at a steady yearly return, what that amount will be worth in today's money after inflation, and how many years your money takes to double. The year-by-year table makes it easy to see compounding speed up in the later years.
Future value and doubling time
Future value = amount × (1 + r)^years · Today's money = future value ÷ (1 + inflation)^years · Doubling time = ln 2 ÷ ln(1 + r)
r is the yearly return as a decimal. The rule of 72 (72 ÷ return %) is a quick mental estimate of the doubling time and is very close for returns between 6% and 10%.
Getting the most from compounding
- Time matters more than the starting amount: the last 3 years of the example add more than the first 5.
- A few percent of extra return makes a large difference over long periods: at 15% instead of 12%, ₹1 lakh becomes ₹4.05 lakh instead of ₹3.11 lakh in 10 years.
- Real investments don't grow at a steady rate. Use a conservative return, and treat the result as an estimate.
- Tax and fees reduce the return. Enter the return after costs, or use the real return calculator to take out tax.
- For regular monthly investing, use the SIP calculator instead.
Worked example: ₹1 lakh at 12% for 10 years
- ₹1,00,000 invested at 12% a year for 10 years
- Future value: ₹1,00,000 × 1.12^10 = ₹3,10,585
- Gain: ₹2,10,585, a 210.58% total return
- With 6% inflation, ₹3,10,585 in 10 years buys what ₹1,73,429 buys today
- Your money doubles about every 6.1 years (rule of 72: 6 years)
Doubling time: rule of 72 vs exact
How many years your money takes to double at different yearly returns.
| Return | Rule of 72 | Exact |
|---|---|---|
| 4% | 18.0 years | 17.7 years |
| 6% | 12.0 years | 11.9 years |
| 7% | 10.3 years | 10.2 years |
| 8% | 9.0 years | 9.0 years |
| 9% | 8.0 years | 8.0 years |
| 10% | 7.2 years | 7.3 years |
| 12% | 6.0 years | 6.1 years |
| 15% | 4.8 years | 5.0 years |
| 18% | 4.0 years | 4.2 years |
| 24% | 3.0 years | 3.2 years |
The rule of 72 is close for typical returns but drifts at very low or very high rates.