Lumpsum Calculator

A lumpsum invests a single amount once, and its future value uses annual compounding: FV = P × (1 + r)^t, where P is the amount, r is the annual return and t is the years. For ₹25,000 at 12% for 10 years, that's ₹25,000 × 1.12^10 = ₹77,646 — exactly what Groww and SBI show, because the formula is the industry standard. The ₹52,646 of returns is more than double your money, all from compounding. This calculator uses the identical formula and additionally shows the value after inflation and after tax, which the bank calculators leave out.

If you already have the money and the market rises steadily, a lumpsum usually wins, because the whole amount is invested from day one and compounds for the full period. Investing ₹1,00,000 at once at 12% for 10 years grows to ₹3,10,585 — about ₹1,16,969 more than dripping the same money in as an ₹833/month SIP. The catch is timing risk: a lumpsum invested right before a market fall can sit underwater for a while, whereas a SIP averages your buying price across highs and lows. A common middle path is to invest a lumpsum and continue a monthly SIP — which this calculator lets you model together.

At a 12% annual return, ₹1,00,000 invested as a lumpsum grows to about ₹3,10,585 in 10 years, ₹5,47,357 in 15 years, and ₹9,64,629 in 20 years — roughly tripling every decade. At a more conservative 10% it's about ₹2,59,374 in 10 years. The longer you stay invested, the more dramatic the compounding, which is why time in the market matters more than the amount. Enter your own amount, return and horizon above to see the figure, plus what it's worth after inflation and tax.

Yes — and it's a very common strategy. You might invest a bonus or a maturity payout as a lumpsum and continue a monthly SIP from your salary. The lumpsum compounds from day one while each SIP instalment compounds for its remaining months, and the two simply add up. Use the 'Also add a monthly SIP' option above to model both together: the calculator shows your combined corpus and splits out how much comes from the lumpsum versus the SIP.

Yes. For equity mutual funds held over 12 months, gains are long-term capital gains taxed at 12.5% on the portion above ₹1.25 lakh of gains in a financial year (post-July 2024 rules), plus 4% cess. Held under 12 months, gains are short-term at 20%. Debt funds bought on or after 1 April 2023 are taxed at your income-tax slab regardless of holding period. Most lumpsum calculators show only the pre-tax figure; this one subtracts equity LTCG so you see the amount that actually reaches your bank. Confirm current rates at incometax.gov.in.

For diversified Indian equity mutual funds, 12% is a reasonable long-term assumption — the Nifty has delivered roughly 11–13% annualised over multi-decade periods, though with sharp swings year to year. Debt funds return far less (around 6–8%), and hybrid funds sit in between. Assuming 15%+ is optimistic and can badly oversell your plan. It's safer to project with 12% and treat anything more as a bonus; this calculator flags returns above 15% for that reason.