Lumpsum Calculator
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Quick Summary
- Calculate how a one-time mutual fund investment grows. Enter amount, expected return and years for an instant maturity value. No login needed.
- For example, ₹1,00,000 for 5 years at 12% works out to ≈ ₹1.76 lakh.
- Built for investors deciding where to park a bonus, maturity payout or other one-time sum
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vs Fixed Deposit @ 7%
+₹0 vs FDEstimated Maturity Value
| Year | Invested | Returns | Value |
|---|
How the Lumpsum Calculator Works
You invest the entire amount on day one, and it starts compounding immediately at your assumed annual return rate. Unlike a SIP, there's no averaging of entry price — your entire investment grows (or falls) with the market from the very first day, so the entry timing matters more.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹1,00,000 for 5 years at 12% | ≈ ₹1.76 lakh |
| ₹5,00,000 for 10 years at 12% | ≈ ₹15.5 lakh |
| ₹10,00,000 for 15 years at 12% | ≈ ₹54.7 lakh |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
A lumpsum calculator projects the future value of a one-time investment using the compound interest formula FV = P × (1+r)^n, where P is the invested amount, r is the expected annual return rate, and n is the number of years.
Lumpsum works best when you have a large sum ready and markets are reasonably valued, since the entire amount starts compounding immediately. SIP is generally safer for salaried investors as it averages out entry price over time and reduces timing risk.
For long-term (10+ year) equity mutual fund lumpsum investments in India, 10-12% CAGR is a realistic conservative assumption based on historical large-cap fund performance.
Common Mistakes to Avoid
- Investing the entire amount at a market peak instead of considering an STP to phase in gradually.
- Using an unrealistically high return assumption (15%+) instead of a conservative 10-12% for equity.
- Ignoring the exit load and short-term capital gains tax if you might need the money within a year.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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