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Lumpsum calculator
See how a single investment grows when its returns are left to compound.
The formula
FV = P × (1 + r)^n
P is the amount invested, r the annual return and n the number of years. ₹1,00,000 at 12% for 10 years becomes about ₹3,10,585. The curve steepens with time: the last five years add more than the first five because growth is earned on earlier growth.
Lumpsum or SIP?
If you already hold the money, investing it at once gives it the longest time in the market, which wins more often than not over long periods. The trade-off is timing risk: a fall soon after you invest hurts more. Many investors split the difference by moving a lump sum into equity over six to twelve months. Compare both routes with the SIP calculator.
Questions
What return should I assume?
Use a range rather than a single figure. For diversified Indian equity, planners often test 9% to 12%; for high-quality debt, 6% to 7.5%. Past returns do not guarantee future results.
Does this include tax?
No. The figure is before tax and fund charges. Capital gains tax applies when you redeem.