Lumpsum Calculator

A lumpsum investment means investing a large amount at once, rather than in regular instalments (SIP). It's suitable when you have a windfall — like a bonus, inheritance, or matured FD — and want to invest it all at once.

Lumpsum works better when markets are at a low point — your entire corpus benefits from the subsequent recovery. SIP is better during volatile or rising markets as it averages your cost. Most financial advisors recommend SIP for regular income and lumpsum for large one-time amounts.

Lumpsum return uses compound interest: A = P × (1 + r)^t, where P is principal, r is annual return rate, and t is tenure in years. This assumes the rate compounds annually.

Equity mutual funds have historically delivered 12–15% CAGR over 10+ years. Large-cap funds average 10–13%, mid-cap 13–16%, and small-cap 14–18% — but with higher risk. Debt funds deliver 6–8%. FDs give 6.5–8%.

Yes. For equity funds held over 1 year, LTCG above ₹1.25 lakh is taxed at 12.5%. For less than 1 year (STCG), tax is 20%. For debt funds, gains are added to income and taxed at your slab rate.