Lumpsum calculator: what a one-time investment could become
Enter the amount, the years and the return you expect. See what it could grow to.
- Year-by-year value
- Tax on gains explained
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Got a bonus or a maturity amount?
Our experts suggest how to invest it for your goals, and plan the tax on the gains.
Questions people often ask
Should I invest a lumpsum all at once?
If the market worries you, spread it over a few months through a systematic transfer plan (STP).
How is a lumpsum in equity funds taxed?
Like any equity fund units: 20% on gains under a year, 12.5% above ₹1.25 lakh a year after that.
How lumpsum growth works
Value = amount × (1 + return)years.
| ₹1 lakh at | 10 years | 20 years |
|---|---|---|
| 8% | ₹2.16 lakh | ₹4.66 lakh |
| 12% | ₹3.11 lakh | ₹9.65 lakh |
Last reviewed 8 October 2026. The rules in this calculator come from these official sources.
- Investor education and calculators Securities and Exchange Board of India
- Mutual fund investor information Association of Mutual Funds in India
Common questions
How is lumpsum growth calculated?
Amount × (1 + yearly return) to the power of years. At 12% for 10 years, money grows about 3.1 times.
How much will ₹5 lakh grow to in 10 years?
About ₹15.5 lakh at 12% a year, or about ₹13 lakh at 10%.
What's the rule of 72?
Divide 72 by the yearly return to estimate how many years it takes to double. At 8%, about 9 years.
Lumpsum or SIP?
A lumpsum has more time in the market; a SIP spreads your buying. With a monthly salary, SIPs are usually easier.
How are gains taxed?
It depends on the investment. Qualifying equity funds: 20% short term, 12.5% long term above ₹1.25 lakh a year. FDs: interest at your slab rate.
Related calculators
SIP
What a monthly investment could grow to.
Step-up SIP
Grow your SIP every year as your salary grows.
Compound interest
How compounding grows your money.
Capital gains
Tax on shares, mutual funds, gold and property you sold.
CAGR
The yearly growth rate of an investment.
Inflation
What today's money will be worth later.