Calculate returns on your one-time mutual fund investments.
Monthly EMI
₹ 43,391
| Period | Invested | Balance |
|---|
Say you invest ₹5 lakh once and leave it for 10 years in a fund that grows at 12% a year. With no fees, it grows to about ₹15.5 lakh. That is ₹10.5 lakh of profit, about three times your money.
A quick way to check any lumpsum: divide 72 by the yearly return. At 12%, 72 ÷ 12 = 6, so your money roughly doubles every 6 years. Leave the same ₹5 lakh for 15 years and it becomes about ₹27.4 lakh.
Now see what the fund's yearly fee (expense ratio, or TER) does to the same ₹5 lakh over 10 years at 12%:
| Yearly fee (TER) | Return after fee | Value after 10 years |
|---|---|---|
| 0% (no fee) | 12% | ₹15.5 lakh |
| 0.5% (typical Direct plan) | 11.5% | ₹14.8 lakh |
| 1.5% (typical Regular plan) | 10.5% | ₹13.6 lakh |
A fee difference of just 1% a year costs about ₹1.3 lakh on ₹5 lakh over 10 years. The gap gets bigger the longer you stay invested. You can enter any fee in the "Expense ratio" box above.
A lumpsum puts all your money in on one day. If the market falls right after, you feel the full fall. In 2008 the Nifty 50 fell about 60% in less than a year, and it took years to come back. The calculator assumes a smooth 12% from day one. To see how a real fund did from a real start date, use our Mutual Fund Backtester.
At 6% inflation, ₹15.5 lakh after 10 years buys about what ₹8.7 lakh buys today. Your real gain is smaller than it looks. Turn on the inflation switch above, or try our Inflation Calculator.
The value shown is before tax. For equity funds held over 1 year, profit above ₹1.25 lakh in a year is taxed at 12.5% (plus cess) when you sell. On a ₹10 lakh profit that is over ₹1 lakh. Debt funds are taxed at your income tax slab.
The same fund comes in two versions. The Regular plan pays a commission to the distributor every year from your money, so it grows slower. See the real gap with our Direct vs Regular Calculator and read Direct vs Regular mutual funds explained.
Quick answers to help you use our financial tools.
A lumpsum calculator is an online financial tool that helps you estimate the potential future value of a one-time, single investment in a mutual fund scheme based on compound interest.
It uses the compound interest formula to project growth. You input your one-time investment amount, expected annual rate of return, and the number of years you plan to stay invested, and it calculates the estimated maturity value.
No, the results are merely estimates. Mutual fund returns are subject to market risks and actual performance may vary significantly based on market conditions, fund expenses, and taxes.
A lump sum approach may be suitable when you have a significant idle amount (e.g., from a bonus or inheritance) and are comfortable with market risks. It can be highly effective during market corrections or for long-term horizons.
Use the rule of 72: divide 72 by the yearly return. At 12% it takes about 6 years, at 8% about 9 years, and at 6% (a typical FD) about 12 years. This is a quick estimate. The calculator above gives the exact number.
When markets rise over time, money invested at once usually ends up higher, because all of it is invested for longer. But if the market falls soon after, a lumpsum hurts more. Many people put a large amount into a liquid fund and move it into an equity fund in monthly parts (called STP). This spreads the risk.
It includes the fund’s yearly fee if you enter it in the "Expense ratio" box. It does not take out tax. Equity fund profit above ₹1.25 lakh a year is taxed at 12.5% (plus cess) after 1 year. Debt fund profit is taxed at your income tax slab.