Lumpsum Calculator
ఏకమొత్తం పెట్టుబడి కాలిక్యులేటర్
What a one-time (lumpsum) investment grows to at an expected yearly return, or the amount a target needs today.
మ్యూచువల్ ఫండ్లో ఒకేసారి పెట్టే పెట్టుబడి ఆశించిన రాబడితో ఎంత అవుతుంది, లక్ష్యానికి ఇప్పుడు ఎంత పెట్టాలి.
Your result
Estimated value అంచనా విలువ
3.11 lakh rupees
- Investedపెట్టిన మొత్తం
- ₹1,00,000
- Est. returnsఅంచనా రాబడి
- ₹2,10,585
- After tax (equity fund, held over a year)పన్ను తర్వాత
- ₹2,99,459
- 12.5% of the gains above ₹1.25 lakh, plus 4% cess: ₹11,126
The value is before tax. Equity funds (at least 65% in Indian shares): gains on units held up to 12 months are taxed at 20%; after that, 12.5% on your total long-term gains above ₹1.25 lakh in a year, plus 4% cess. Debt funds bought from April 2023: gains are added to your income and taxed at your slab rate. The ₹1.25 lakh is for all your long-term gains in the year together.
Year by year ఏడాదివారీగా
- Invested
- Returns
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Returns | Value |
|---|---|---|
| 1 | ₹12,000 | ₹1,12,000 |
| 2 | ₹25,440 | ₹1,25,440 |
| 3 | ₹40,493 | ₹1,40,493 |
| 4 | ₹57,352 | ₹1,57,352 |
| 5 | ₹76,234 | ₹1,76,234 |
| 6 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹2,10,585 | ₹3,10,585 |
Last updated : the tax on equity fund gains: 12.5% above ₹1,25,000 a year after 12 months, 20% before. Check with a tax adviser or the income tax portal before you file.
How lumpsum returns are calculated
A one-time investment compounds once a year at the expected return:
Value = P × (1 + r) T
Example: ₹1,00,000 invested once at 12% for 10 years becomes an estimated ₹3,10,585 : more than three times the money.
What ₹1 lakh invested once grows to in 5 to 25 years
At 12% a year, ₹1,00,000 becomes about ₹3,10,585 in 10 years and ₹9,64,629 in 20. Ten times the amount grows to ten times as much: ₹10,00,000 becomes about ₹96,46,293 in 20 years.
| After | At 8% a year | At 10% a year | At 12% a year |
|---|---|---|---|
| 5 years | ₹1,46,933 | ₹1,61,051 | ₹1,76,234 |
| 10 years | ₹2,15,892 | ₹2,59,374 | ₹3,10,585 |
| 15 years | ₹3,17,217 | ₹4,17,725 | ₹5,47,357 |
| 20 years | ₹4,66,096 | ₹6,72,750 | ₹9,64,629 |
| 25 years | ₹6,84,848 | ₹10,83,471 | ₹17,00,006 |
Good to know
- Rule of 72: divide 72 by the yearly return to see roughly how many years money takes to double (6 years at 12%).
- Returns of market-linked funds are not guaranteed; this is a projection at a constant rate.
- Have a target instead? Choose "Amount needed" to see what you must invest today. To draw a monthly income from the sum later, see the SWP calculator.
Tax on the gains
- Equity funds (at least 65% in Indian shares): gains on units held up to 12 months are taxed at 20%; after that, 12.5% on your total long-term gains above ₹1.25 lakh in a year, plus 4% cess.
- Debt funds bought from April 2023: gains are added to your income and taxed at your slab rate.
Example: the ₹2,10,585 gain above, from an equity fund sold after 10 years, pays ₹11,126 tax (12.5% of ₹85,585, plus cess) if it is your only long-term gain that year, leaving ₹2,99,459.
Questions
Lumpsum or SIP: which is better?
A lumpsum puts all the money to work at once; an SIP spreads it over time, which smooths out market ups and downs. Compare both with the SIP calculator.
What will it be worth after inflation?
The value here is in future rupees. To see what it buys in today's money, use the inflation calculator's "Future cost" at, say, 6% a year.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
