Lumpsum Investment Calculator

Your details

The one-time amount you invest today.
Estimated annual rate of return. Equity mutual funds in India have historically returned around 10-14% per year over long periods, but past returns do not guarantee future results.
% p.a.
How long you plan to stay invested.
years
Used to calculate the real (inflation-adjusted) value of your corpus. India average CPI inflation has been around 5-6% historically.
% p.a.
Long-term capital gains on equity mutual funds held over 1 year are taxed at 10% (above exemption threshold in India). Set to 0 if tax-exempt or non-applicable.
%
Currency
Future valueStrong growth
₹310,584.82

The nominal value of your investment after the period.

Amount invested₹100,000.00
Wealth gain₹210,584.82
Inflation-adjusted value₹173,428.94
After-tax value₹289,526.34
Absolute return210.6%
CAGR12%

Your investment can grow 211% over 10 years.

  • Your one-time investment of 1.00 L grows to 3.11 L in 10 years, earning 2.11 L in returns.
  • After accounting for inflation, the real purchasing power of that corpus is approximately 1.73 L in today's money.
  • After estimated taxes on gains, you take home roughly 2.90 L.
  • At 12% p.a., money doubles every 6.1 years (Rule of 72: 72 / 12 = 6.0).

Next stepConsider reviewing your expected return assumption conservatively: long-term equity returns are uncertain, and a 1-2% difference in rate compounds significantly over decades. Pair lumpsum investing with periodic SIP contributions for rupee-cost averaging.

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