- Invested amount
- Estimated returns
- Invested amount
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- Estimated returns
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- Total value
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Figures are estimates for planning only, not investment or tax advice.
A lumpsum investment is a single amount put to work today and left alone. This calculator compounds it forward at the rate you choose so you can see what a one-time investment could become.
How it works
Unlike a SIP, the whole amount earns a return from day one, so time in the market matters even more. Doubling the holding period does far more than doubling the amount invested.
The formula
FV = P × (1 + r)n — where P is the amount invested, r is the annual rate as a decimal and n is the number of years. ₹1 lakh at 12% becomes about ₹3.1 lakh in 10 years and ₹9.6 lakh in 20.
Lumpsum or SIP?
A lumpsum works best when you already hold the money and the horizon is long. If you are nervous about entering at a market peak, a systematic transfer plan from a liquid fund spreads the entry over a few months without leaving the money idle.
Frequently asked questions
What return rate should I assume?
Use 10–12% for diversified equity funds, 6–8% for debt funds and 7% for fixed deposits. Lower assumptions make for better plans.
Does the calculator account for tax?
No. Equity gains held over a year and debt gains are taxed differently — subtract capital gains tax from the projected value before planning around it.
Can I use this for stocks?
Yes, but individual stocks rarely compound at a steady rate. Treat the output as a rough scenario, not a forecast.