Lumpsum Calculator

Future value = amount × (1 + r)^years, where r is the expected annual return. This is annual compounding, which is how mutual fund returns are quoted as CAGR. Fractional years are allowed, so 2.5 years works.

Use a figure you can defend, not the best year you remember. Long-run equity assumptions of 10 to 12% and debt assumptions of 6 to 7% are common; a fixed deposit at the bank rate is the safe comparison. The result is only as good as the rate you enter.

Equity funds and listed shares: gains after 12 months are long-term, taxed at 12.5% above ₹1,25,000 a year; earlier than that, 20%. Debt funds bought after 1 April 2023 are taxed at your slab rate whatever the holding period. Our capital gains calculator gives the exact tax.

No. It shows nominal growth. To see purchasing power, subtract expected inflation from the return: at a 12% return and 6% inflation the real growth is roughly 6% a year, so enter 6% to see the inflation-adjusted figure.

Investing at once earns for the full period, which wins if markets rise. Spreading it as a SIP over 6 to 12 months reduces the risk of buying at a peak. For money you need within three years, a fixed deposit or debt fund is usually more appropriate than equity either way.