Lumpsum+Annual TOP-UP

ECS – Lumpsum + Annual Top-Up (Interest on Balance + Top-Up)

ECS Financial · Lumpsum + Annual Top-Up

Lumpsum + Annual Top-Up Calculator (Interest on Balance + Top-Up)

Year 1 grows only on your initial amount. From Year 2, interest is calculated every year on (previous balance + this year's top-up).

Inputs

Initial lumpsum (₹)

One-time investment now in Year 1.

Annual top-up from Year 2 (₹)

Same amount added every year from Year 2 onwards.

Expected return (% p.a.)

Example: enter 12 for 12% per annum.

Investment period (years)

How long you plan to stay invested.

Projection Ready to calculate

₹ —

Enter your amounts and tap Calculate to see how your wealth can grow with interest on balance + top-up each year.

This is an educational tool to show the effect of compounding when every year's top-up also starts earning interest immediately from that year.