Growing money
Lumpsum calculator
What a single amount could grow to if left alone.
₹
%
years
Could be worth
₹3,10,585
about ₹3.11 lakh
32% of that is money you put in.
- You would put in
- ₹1,00,000
- Growth added
- ₹2,10,585
- Total
- ₹3,10,585
This is arithmetic, not a forecast. The result applies numbers you chose. Real returns vary year to year, can be negative, and are never guaranteed. Unless stated otherwise the figure is before inflation and before tax.
How this calculation works
A lumpsum calculator compounds a single amount annually at the rate you set. Nothing is added along the way, so the whole result comes from the original amount growing on itself.
What it leaves out
The largest risk with a single investment is the entry price. Committing everything on one day means one price decides much of your outcome, which is why spreading a lump sum over several months is a common compromise.
Understanding the thing itself matters more than the number: Long term investing.
Common questions
Is lumpsum better than SIP?
Statistically investing sooner has usually produced a better result, because money invested earlier compounds for longer. The cost is that a fall shortly after affects the whole amount. The deciding factor is whether you would hold through that fall or sell.
Does this include tax?
No. Selling listed equity held over twelve months attracts 12.5% on gains above Rs 1.25 lakh in a financial year, and 20% if held for less. This projection is before any of that.
Should I invest a lump sum all at once?
The honest deciding factor is not arithmetic but temperament. If you would carry on after a 20% fall the month after investing, put it in at once. If you would panic and sell, spread it over six to twelve months and accept the slightly lower expected return as the price of a plan you will actually keep.
More on growing money
SIP calculator
What a fixed monthly investment could grow to over time.
Step up SIP calculator
What happens when you increase your SIP a little every year.