💰 Lumpsum Investment Calculator
Calculate the maturity value of a one-time investment across asset types, with correct post-tax treatment and an inflation-adjusted real return. Switch to Advanced for goal planning and allocation analysis.
ROI & Returns Calculator
Quick CAGR & return estimate
Investment Details
Amount Invested
Quick presets
Asset Type
Expected CAGR
Annual return rate
Investment Period
Your Tax Slab
Inflation Assumption
To calc real return
Tax on this asset:
10% LTCG above ₹1L (≥1yr) / 15% STCG
Returns Summary
Enter details to see returns
Investment Returns — Answered Directly
25 questions on SIP, mutual funds, PPF, FD, NPS, gold, and real estate. India-specific, updated for Budget 2024 and FY 2025-26.
SIP & Mutual Fund ROI
PPF, FD & Guaranteed Returns
ROI — Core Concepts
Real Estate & Gold ROI
General Investment ROI
What This Lump Sum Calculator Does
- Maturity value from amount, CAGR and tenure with compound growth chart
- Quick benchmark presets for common Indian asset returns
- Asset-correct tax: equity LTCG/STCG, debt at slab, gold/real-estate 12.5%, PPF exempt
- FD compounding and TDS handling; PPF 80C and EEE treatment
- Inflation-adjusted real return and real CAGR
Lump Sum — Frequently Asked Questions
How is lumpsum investment return calculated?
A lump sum compounds as FV = P × (1+r)ⁿ, where P = amount invested, r = annual return and n = years. For example, ₹5L at 12% for 10 years grows to about ₹15.5L. CAGR works backwards: CAGR = (Final/Initial)^(1/years) − 1.
Is lumpsum or SIP better?
It depends on cash flow and markets. SIP averages your entry price and suits regular income, reducing timing risk. A lump sum can outperform when invested early in a rising market because the full amount compounds for longer. Many investors do both — a lump sum when they have surplus, plus an ongoing SIP.
How is a lumpsum investment taxed?
By asset: equity LTCG above ₹1.25L/year at 12.5% (>1 year), STCG at 20%; debt funds at your slab; gold and real estate at 12.5% LTCG (≥2 years) else slab; FD interest at slab; PPF is fully exempt (EEE). All rates reflect Budget 2024.
Other Calculation Modes
Each mode has its own calculator. The all-in-one ROI Calculator hub lets you pick any mode and switch freely, plus the full 6-module advanced analysis.