Lumpsum Calculator India — One-Time Investment Returns

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How it works

Lumpsum Calculator in 3 Steps

Adjust the sliders or inputs on the left. Results update in real-time.

Maturity value, gain, and key metrics show in the dark panel on the right.

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Frequently Asked

Lumpsum vs SIP — which gives better returns?

Historically, lumpsum slightly outperforms SIP over 10+ year horizons because all the money compounds longer.

How is lumpsum return calculated?

Future Value = P × (1 + r)^n, where P is initial amount, r is annual return rate, n is years.

Is it safe to invest a lumpsum in mutual funds today?

Time-in-market beats timing-the-market. Use STP (park in liquid, transfer to equity over 6–12 months) if uncertain.

What tax applies on lumpsum mutual fund redemption?

Equity: 15% STCG / 10% LTCG above ₹1L. Debt: slab rate.

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