Lumpsum Investment Calculator
Calculate one-time investment returns, understand tax implications, and compare with SIP strategy. Plan your lumpsum investments effectively for wealth creation.
Investment Details
Min: ₹1,000 | Max: ₹10,00,00,000
Calculation Formula
Maturity Amount: P × (1 + r)^n
Inflation Impact Formula
Inflation-Adjusted Value: P × (1 + i)^n
Purchasing Power Loss: Inflation-Adjusted Value - Principal
Real Returns: Net Maturity Amount - Inflation-Adjusted Value
Where: P = Principal Amount, r = Rate of Return, n = Time Period
Note: This calculator shows pre-tax returns. Actual returns may vary based on tax implications and market conditions.
Understanding Lumpsum Investments
What is a Lumpsum Investment?
A lumpsum investment is a one-time investment of a large amount in financial instruments like mutual funds, stocks, or fixed deposits. Unlike SIP (Systematic Investment Plan) where you invest small amounts regularly, lumpsum involves deploying a significant corpus at once.
When to Choose Lumpsum?
- You have a large amount available (inheritance, bonus, sale proceeds)
- Market conditions are favorable for entry
- You have a long investment horizon (5+ years)
- You want to maximize compounding benefits
- You have high risk tolerance and market knowledge
Tax Implications
Long-term Capital Gains
Equity: 10% (no indexation) | Debt: 20% (with indexation benefit)
Short-term Capital Gains
Equity: 15% | Debt: As per income tax slab rates
Tax-free Returns
PPF, ELSS (up to ₹1.5 lakh under 80C), NPS (tier 1)
Frequently Asked Questions
Everything you need to know about lumpsum investments