Lumpsum Calculator
Project a one-time investment into the future.
Project a one-time investment into the future.
The Lumpsum Calculator takes your own numbers and projects the result using the method described below, showing every assumption rather than a single opaque figure.
A single lumpsum compounds annually at your chosen CAGR: value = amount × (1+rate)^years. Unlike SIP, timing matters enormously here — the entire amount is exposed to market returns from day one, so sequence-of-returns risk is higher.
Equity investments held over 1 year qualify for LTCG, taxed at 12.5% above a ₹1.25L exemption per year (July 2024 rules); under 1 year is short-term, taxed at 20%. Debt/other funds are taxed at your slab regardless of holding period.
Is the Lumpsum Calculator's result a guaranteed outcome?
No — every figure here is an illustrative projection based on the assumptions you enter, not a promised or guaranteed return. Change any input to see how the result moves.
Is tax already accounted for?
Equity investments held over 1 year qualify for LTCG, taxed at 12.5% above a ₹1.25L exemption per year (July 2024 rules); under 1 year is short-term, taxed at 20%. Debt/other funds are taxed at your slab regardless of holding period.
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