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Lumpsum Calculator

What a single investment could become if held for the full term, with the true CAGR on the money. Useful for a bonus, a maturing deposit or an inheritance.

HighMarket-linkedNone, except ELSS funds (3 years)

Maturity value

₹3,10,585

after 10 years at the return you assumed

You invest

₹1,00,000

Estimated gains

₹2,10,585

Absolute return

210.6%

total gain on money in

Annualised (CAGR)

12%

money held throughout

How it builds up

Maturity value₹3.11 L

Invested32.2%
Gains67.8%

Show what it is worth in today’s money

Maturity value

₹3,10,585

Gains

₹2.11 L

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk: High
Guaranteed by: None — returns depend entirely on market performance
Lock-in: None, except ELSS funds (3 years)
Liquidity: High — redeemable on any business day
Tax treatment: Equity: 12.5% LTCG above ₹1.25 lakh a year after 12 months. Debt: taxed at your slab rate.

Worth weighing before you commit

A lump sum carries timing risk a SIP does not: invest everything the day before a correction and you carry that loss for years.
The CAGR shown is a smoothed average. No investment actually grows at a constant rate.

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Lumpsum

Lumpsum questions, answered

How the arithmetic on this page works, what the projection assumes, and where the output is most often misread.

One sum, compounded annually at the rate you enter, for the number of years you enter — the standard future-value calculation. Because there is a single investment held for a single period, the growth rate is directly meaningful, which is why this page reports CAGR while the SIP page reports XIRR.

The arithmetic favours the lump sum, because every rupee is exposed for the full term rather than being phased in. That is not the same as it being the better decision: it also means the entire amount is exposed to whatever the market does immediately after you invest. The comparison tool puts both side by side so you can see the size of the difference on your own numbers, and it deliberately does not name a winner.

Expense ratios, exit loads, transaction costs and tax. A fund's published return is usually net of its expense ratio but nothing else. If you want a figure closer to what reaches your bank account, reduce the rate you enter to account for costs, and treat the result as pre-tax.

Far more than most people expect, and more the longer the term. Compounding is exponential, so a one-point difference in the assumed rate is a small gap over three years and a large one over twenty. It is worth running the calculator twice — once at the rate you hope for and once two or three points lower — and treating the lower figure as the planning number.

Absolute return is simply how much more you have than you put in, as a percentage, with no reference to time. It answers "how much did this grow", while CAGR answers "how fast". A 60% absolute return is good over three years and poor over twenty, and showing only one of the two numbers is how people end up comparing investments that are not comparable.

Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.

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What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk

High

Guaranteed by

None — returns depend entirely on market performance

Lock-in

None, except ELSS funds (3 years)

Liquidity

High — redeemable on any business day

Tax treatment

Equity: 12.5% LTCG above ₹1.25 lakh a year after 12 months. Debt: taxed at your slab rate.

Worth weighing before you commit

A lump sum carries timing risk a SIP does not: invest everything the day before a correction and you carry that loss for years.
The CAGR shown is a smoothed average. No investment actually grows at a constant rate.

Lumpsum Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

Lumpsum questions, answered

How is the maturity value worked out?

Is a lump sum better than investing the same amount monthly?

What does the projection leave out?

How much does the assumed rate change the answer?

What is absolute return and why show it alongside CAGR?

Lumpsum Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

Lumpsum questions, answered

How is the maturity value worked out?

Is a lump sum better than investing the same amount monthly?

What does the projection leave out?

How much does the assumed rate change the answer?

What is absolute return and why show it alongside CAGR?