Last updated: October 2026

💰 Lumpsum Calculator

Received a bonus, inheritance or maturity payout? Our lumpsum calculator projects how a one-time investment grows with compounding over time.

Lumpsum Calculator

Ek saath invest kiya paisa kitna badhega?

One-time investment

₹10K₹1 Cr

Expected annual return

0%40%

Time period

1 yr30 yrs

Maturity value₹3,10,585

Invested₹1,00,000

Est. gains₹2,10,585

Formula: Maturity = P × (1 + r)ⁿ. Returns market-linked hain, guaranteed nahi.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

Lumpsum kab sahi hai?

Bonus, maturity payout ya savings ka ek hissa ek saath invest karne par lumpsum kaam aata hai. Lamba time horizon ho to compounding ka poora fayda milta hai.

How to Use

Enter your one-time investment amount.
Set the expected annual return.
Choose the investment period.
See your projected value and wealth gained.

Formula

FV = P × (1 + r)ⁿ

Where P = lump sum invested, r = annual return, n = years. Pure compounding — the 8th wonder of the world.

💡 Example

Example: ₹5 lakh lump sum at 12% for 15 years → ≈ ₹27.37 lakh. At 10 years → ≈ ₹15.53 lakh.

Lumpsum nivesh ke niyam: calculator ka pratishat vaada nahi hota

Lumpsum ke liye koi sarkari yojana wala niyam nahi hai — ye bas ekbari nivesh karne ka tareeka hai. Asli niyam yaha teen hain, aur teeno calculator ke bahar ke hain. Pehla: jo return aap dalte hain, wo keval ek anumaan hai. Bazaar se jude nivesh me koi bhi vyakti ya fund aapko nishit pratishat ki garanti nahi de sakta; jo de, usse savdhaan rahein. Dusra: lumpsum wohi paisa hona chahiye jiski agle kam se kam 5-7 saal tak zaroorat na pade — kiraaya, fees ya ilaaj ke liye rakha paisa bazaar ke utaar-chadhav me dalna sabse mehengi galti hoti hai. Teesra: aapatkalin fund alag rakhein; lumpsum ka matlab saari bachat ek saath laga dena nahi hai.

Badi rakam ek saath dalne ka ek vyavharik vikalp bhi hai — STP, matlab rakam ko pehle surakshit vikalp me rakh kar har mahine thoda-thoda apne chune hue fund me bhejna. Isse bazaar ke ek hi din ke star par poori rakam lagane ka jokhim kam ho jata hai, aur man ko bhi shaanti rehti hai. Nivesh se pehle fund ke kharch (expense ratio) aur nikalne par lagne wale shulk (exit load) zaroor padhein — lambe samay me ye chhote pratishat badhe fark dalte hain.

Tax ka hisab nivesh ke prakar par badalta hai. Share bazaar se jude nivesh par labh ki ganana aur dar samay ke saath badalti rehti hai; karz (debt) prakar ke nivesh par tax ka tareeka alag hai. Calculator sirf nivesh ki badhotari dikhata hai, tax kaat kar antim rakam nahi — antim faisle se pehle apne nivesh ke prakar ka us samay ka tax niyam jaanch lein.

🧮 Ek aur hisab: ₹2.5 lakh, 11% anuman aur 12 saal

Maan lijiye aap ₹2,50,000 ek saath rakhte hain aur calculator me 11% ka saalana anumaan dalte hain. Formula P × (1 + r)^n se: ₹2,50,000 × (1.11)^12 = ₹8,74,613. Isme aapki mool rakam ₹2,50,000 hai, matlab anumaanit badhotari ₹6,24,613. Ab yehi hisab 9% par karein to parinaam lagbhag ₹7.03 lakh ayega — sirf 2% ke antar ne 12 saal me ₹1.7 lakh se zyada ka fark dal diya. Isiliye koi bhi ek number dekh kar yojana na banayein; 9%, 11% aur 12% — teeno par hisab dekhna hi sahi aadat hai.

FAQs — Lumpsum Calculator

If markets fall after investing, SIP wins via averaging. If markets rise steadily, lumpsum wins. For large sums, many prefer STP (gradual transfer) as a middle path.

Equity funds: ~10–12% long-term (not guaranteed). Debt funds: ~6–8%. Choose based on your horizon and risk appetite.

Capital gains tax applies on redemption: equity LTCG 12.5% above ₹1.25 lakh/year (held 1+ year); debt funds taxed per slab.

Time in market beats timing the market. For 7+ year goals, investing now usually beats waiting.

Nivesh ke adhikansh vikalpo me shuruat chhoti rakam se ho sakti hai — kai mutual fund me ₹500 ya ₹1,000 se bhi shuruat hoti hai, halanki har scheme ka apna nyuntam hota hai. Asli seema rakam ki nahi, samay ki hai: rakam jitni bhi ho, use lambe samay tak chhod sakte ho tabhi lumpsum ka arth hai.

Bazaar ka sabse neeche wala din pehchanna kisi ke bas me nahi hai. Lambe goal ke liye samay par nivesh kar dena aksar intezaar se behtar rehta hai; man ashaant ho to rakam ko STP se kuch kisto me baant dein — faisla bhavna se nahi, apni samay-seema se lein.

Jo rakam calculator dikhata hai wo us samay ke rupayo me hot hai. Asli kharid-shakti jaanane ke liye usi hisab ko 5-6% kam return par dobara chalayein, ya maturity rakam ko mahangai dar se ghata kar dekhein. 12 saal baad ke ₹8.74 lakh aaj ke hisab se utne bade nahi lagenge — ye jaanna yojana ko asaliyat me rakhta hai.

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