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Lumpsum Investment Calculator

Lumpsum growth with the three things that decide what it is actually worth: inflation, tax and costs. A projected corpus is a nominal figure in a currency that will buy less by the time it arrives.

Also called: one time investment calculator, lump sum mutual fund returns.

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Maturity value
₹15,52,924

₹15,52,924 after 10 years. ₹10,52,924 of growth on 5,00,000 invested, a total return of 210.58%. Enter inflation to see what the corpus will actually buy, which is the only figure that means anything at this horizon. No tax applied. Most gains are taxable, which reduces the comparable figure. No expense ratio applied. A one percent annual cost typically removes about a fifth of a twenty year corpus.

Gain
₹10,52,924
Total return
210.58%
Worth in today money
₹15,52,924
After tax
₹15,52,924
After tax and inflation
₹15,52,924
Lost to the expense ratio
₹0
Real annual return
12%
Years to double
6.12
Money multiplied by
3.11
On inflation
Enter inflation to see what the corpus will actually buy, which is the only figure that means anything at this horizon.
On tax
No tax applied. Most gains are taxable, which reduces the comparable figure.
On costs
No expense ratio applied. A one percent annual cost typically removes about a fifth of a twenty year corpus.
How this is calculated

An estimate, not an offer or a guarantee. Projected returns assume the rate you entered holds for the whole term, which no market does.

Method and background

This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.

How this is calculated

The amount compounds at the expected return less the expense ratio, which is deducted annually and therefore compounds against you exactly as the return compounds for you. Inflation discounts the result into today money, which is the only figure that says what it will buy. Tax applies to the gain rather than the whole amount. Each of these moves the answer more than a percentage point of assumed return does, and none appears in a headline projection.

the expense ratio subtracts from the return every year, so it compounds against you exactly as the return compounds for you
e
Expense ratio
pi
Inflation

Worked examples

Each of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.

five lakh for ten years

Amount invested
₹5,00,000
Expected return (per year)
12%
Investment period (years)
10
Inflation
0%
Tax on the gain
0%
Annual expense ratio
0%

Maturity value₹15,52,924

5 lakh times 1.12 to the tenth

Open this example

inflation and costs together take most of the gain

Amount invested
₹5,00,000
Expected return (per year)
12%
Investment period (years)
10
Inflation
6%
Tax on the gain
12.5%
Annual expense ratio
1%

Maturity value₹14,19,710

boundary: 1.11 over 1.06, against a nominal 11 percent after costs

Open this example

Written about this

Method and limits

What it assumes

  • Constant return, inflation and costs, which is a projection rather than a forecast.

What it deliberately does not model

  • A constant return hides sequence risk entirely, which matters most near the end of the period.
  • Tax treatment depends on the instrument and the holding period.
  • The expense ratio is deducted from NAV daily, so an observed return is already net of it.

Formula version 1.0.0 · definition 1.0.0 · India · Report a problem with this calculator

Frequently asked questions

Why is the real value so much lower?
Because inflation compounds too. At six percent over twenty years money buys about a third of what it does now, so a nominal corpus overstates by roughly a factor of three.
Does a one percent expense ratio matter?
Substantially, because it compounds. Over twenty years at twelve percent gross, one percent of annual cost removes roughly a fifth of the final corpus.