Lumpsum Calculator
A lumpsum investment puts the full amount to work on day one, so the entire sum compounds for the whole period. Enter the amount, an expected annual return and the horizon; the calculator returns the future value, the gain and the growth multiple.
Use it for one-off deployments — a bonus, a maturity payout, moving money from FD to equity — and pair it with the inflation calculator to see the result in today's purchasing power.
How it works
- Compounds the amount once a year at the assumed return for the chosen number of years.
- Gain = future value − amount invested; multiple = future value ÷ amount invested.
Frequently asked questions
Lumpsum or SIP — which is better?
Statistically, deploying earlier wins more often because markets rise over time — a lumpsum has more time in the market. But a lumpsum also takes the full drawdown if the market falls right after you invest. Many investors split the difference: invest a lumpsum over 3–6 months via STP, and route regular savings through SIP.
What return should I use?
Long-term Indian equity index returns have averaged roughly 11–13% a year before costs; debt returns closer to 6–7%. Use a conservative number for planning and test the downside: the same calculator at 8% tells you whether the plan survives a mediocre decade.
Does the calculator account for inflation?
No — it shows nominal value. At 6% inflation, ₹1 crore twenty years from now buys roughly what ₹31 lakh buys today. Run the result through the inflation & real return calculator to see it in today's rupees.
How is a lumpsum equity investment taxed when I sell?
Listed equity and equity funds held over 12 months: LTCG at 12.5% on gains above ₹1.25 lakh per financial year. Sold within 12 months: STCG at 20%. The capital gains tax calculator does the arithmetic.
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This tool is an educational estimate, not investment or tax advice. Rates and rules change — verify current figures and consult a professional before acting.