Lumpsum Calculator
See what a one-time investment can grow to over time, how long it takes to double, and the monthly SIP that would reach the same amount.
How to use it
- Enter the amount you invest once.
- Set the yearly return you expect and the number of years.
- Compare it with the SIP that gives the same result.
How it is calculated
Future value = P x (1 + r)^n, where P is the amount invested, r the yearly return and n the number of years.
Frequently asked questions
What will Rs 1 lakh become in 10 years?
At a 12% yearly return, about Rs 3.1 lakh.
How long does money take to double?
Divide 72 by the yearly return. At 12% money doubles in about 6 years.
Is lumpsum better than SIP?
A lumpsum invested early can earn more if markets rise, while a SIP spreads the risk of investing at a high point. The right choice depends on when you have the money.
Are returns taxed?
Equity fund gains above Rs 1.25 lakh a year held over one year are taxed at 12.5%. Debt fund gains are taxed at your slab rate.