LI
Lumpsum Investment Calculator
Enter your one-time investment, expected return and years — the maturity value and wealth gain appear instantly.
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Investment Details
Result
—
Maturity value
Investment—
Wealth gain—
Money multiplied by—
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How to use — Lumpsum Investment Calculator
- Enter the one-time investment amount (mutual fund, stocks, anything).
- Enter the expected annual return — equity long-term average ~12%, debt ~7%.
- Enter how many years it stays invested.
- Click Calculate — see the maturity value and wealth gain.
FAQ
How is lumpsum return calculated?
Compound growth formula: Maturity = P × (1 + r)^t. E.g. ₹1 lakh @ 12% × 10 years = 1,00,000 × 3.106 = ₹3,10,585.
When is lumpsum better than SIP?
When the money is ready and market valuations are reasonable. Investing early long-term = more compounding time. If the market looks high, you can spread the lumpsum into equity over 3–6 months via STP.
Is a 12% return realistic?
The Nifty 50's 20+ year historical CAGR has been ~12%, but this isn't guaranteed. Use 10% for conservative planning, 6.5–7.5% for debt funds.
How much tax applies to returns?
Equity funds: LTCG 12.5% after 1+ year (₹1.25L/year exempt). Debt funds: slab rate. This calculator shows the pre-tax value.
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