Enter your investment amount, expected return and tenure. Results update in real time as you adjust the sliders.
| Year | Invested | Gains | Value |
|---|
How your maturity changes with a ±2% swing in the assumed return.
| Scenario | Annual Return | Maturity Value | Gains |
|---|
Higher expected returns usually mean more volatility - a 15% assumption is aggressive, 10% is conservative.
How is a lumpsum return calculated?
Lumpsum growth uses compound interest: A = P x (1 + r/n)^(n x t), where P is the one-time amount, r the annual return and n the compounding frequency. This calculator compounds monthly (n = 12), matching how mutual funds and FDs accrue interest.
What return rate should I assume?
For equity mutual funds, 10% (conservative), 12% (moderate) and 15% (aggressive) are standard. The Nifty 50 has returned about 12-13% annualized over 15+ years. For fixed deposits use the current FD rate, usually 6-7%. Past performance does not guarantee future returns.
Is a lumpsum investment taxable?
Gains are taxed at redemption: LTCG (held > 12 months) at 12.5% above Rs 1.25 lakh/year; STCG at 20%. FD interest is added to your income and taxed at your slab rate. The invested principal itself is never taxed.
Lumpsum vs SIP: which is better?
A lumpsum wins in a steadily rising market because the full amount compounds from day one, but carries timing risk. A SIP averages your cost across cycles and enforces discipline. Most advisors suggest SIPs for salaried investors and lumpsums for surplus cash.
How much will Rs 1 lakh become in 10 years?
At 12% compounded monthly, Rs 1 lakh becomes about Rs 3.3 lakh in 10 years. At 10% it becomes about Rs 2.7 lakh, and at 15% about Rs 4.4 lakh. Adjust the sliders above for your exact numbers.
Calculations are illustrative and assume a constant rate of return, which never happens in reality. Mutual fund investments are subject to market risks; read all scheme related documents carefully. This tool is not investment advice - consult a SEBI-registered advisor before investing.