Lumpsum Investment Calculator
See what a single one-time investment becomes over time — maturity value, total gains, and what that money will actually buy once inflation is accounted for.
Invested
₹5,00,000
Estimated returns
₹10,52,924
Maturity value
₹15,52,924
After 6% inflation, ₹15,52,924 in 10 years buys what ₹8,67,145 buys today.
Assumes returns compound once a year at a constant rate. Real market returns vary year to year, so treat this as an estimate.
Frequently Asked Questions
How is lumpsum return calculated?
With the compound interest formula: FV = P × (1 + r)^n, where P is your investment, r the annual return and n the number of years. Every rupee stays invested for the full period, which is what makes lumpsum powerful when markets rise.
Lumpsum or SIP — which gives more?
For the same total amount and a steadily rising market, lumpsum wins because the money compounds for longer. SIP wins when markets fall early and recover later, because you buy more units cheaply. If you already have the money, lumpsum has historically done better more often than not.
Why does the calculator show an inflation-adjusted value?
Because a 12% return with 6% inflation is really about 5.7% of extra purchasing power. The inflation-adjusted figure tells you what your maturity amount buys in today's prices, which is the number that actually matters for planning.
Is the maturity amount taxed?
Yes. Equity funds held over a year are taxed at 12.5% on gains above ₹1.25 lakh a year; debt funds are taxed at your slab rate. The calculator shows the pre-tax value.