Lumpsum calculator
For a bonus, a maturity, or a sale — money that arrives all at once rather than monthly. The second figure below matters more than the first: what the final amount will actually buy.
Used only to show what the final figure is worth in today's money.
Value after 10 years
₹15,52,924
About 15.53 lakh rupees
You invest
₹5,00,000
Growth
₹10,52,924
How it compounds
In today's money
Putting a large sum in all at once
- Historically, investing a lump sum immediately has beaten spreading it out, simply because markets rise more often than they fall. But it also carries the worst single-day risk, and that is harder to live with than a spreadsheet suggests.
- A common middle path is a Systematic Transfer Plan: park the money in a liquid fund and move a fixed amount into equity each month. You give up some expected return for a much better night’s sleep.
- This calculation applies one steady annual return. It does not model the sequence of good and bad years, which for a lump sum matters a great deal.
Important — This calculator is an illustration based on the assumptions you enter. It is not a projection or guarantee of returns, and it does not account for exit loads, stamp duty or the taxes payable on redemption. Actual returns will differ. Please consult us before acting on any figure shown here.
Want this turned into an actual plan?
A calculator gives you a number. Choosing the schemes, the split between equity and debt, and the order you fund your goals in is the part that needs a conversation. Leave your number and we will call you — there is no charge for the discussion, and no obligation to invest.
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