Lump Sum Calculator
A contribution today. A clearer view of tomorrow.
Your investment plan
01Returns are assumptions, not forecasts. Use a return after ongoing fund expenses. Taxes and exit loads are excluded.
Contribution timing & return convention
Effective mode uses (1 + annual return)^(1/12) − 1. Nominal mode uses annual return / 12, matching many traditional SIP calculators. The two give different projections.
Your projected outcome
Illustrative estimateAfter 10 years / before income tax
An annual increase can change the outcome materially. Compare a step-up with the same return assumption.
Explore your possibilities
Contributions: ₹5,00,000 / Estimated gain or loss: ₹3,81,171
Different returns, same contributions
These are independent constant-return scenarios, not confidence intervals or probabilities.
See a one-time investment in future and present-day money
A lump-sum projection estimates how an amount invested at the start might grow over a chosen period. It is useful for exploring a range of assumptions, but a constant-rate curve does not show market volatility or the possibility of loss. Leave monthly investment at zero for a pure lump sum, or add future contributions to model a combined plan.
A practical example
At an effective annual return of 12%, Rs 1 lakh becomes Rs 1.12 lakh after one year before taxes. This is a mathematical example, not an expected or assured return. Inflation reduces what that ending amount can purchase relative to today.
Calculation method and assumptions
Monthly growth rate = (1 + annual return)^(1/12) − 1The default convention treats the annual input as an effective annual return. Each month, the model adds the contribution before or after growth according to your timing selection. The annual step-up changes the contribution after every 12 months. Alternatively, choose nominal rate / 12 to match that common calculator convention. No intermediate rounding is applied; displayed amounts are rounded.
Inflation and goal planning
Today's-money value equals future value divided by (1 + inflation) raised to the number of years. A goal stated in today's purchasing power is first inflated to the future date. The goal solver then deducts the projected lump-sum value and calculates the starting monthly SIP needed, including the chosen step-up. These values do not account for taxes or variable market returns.
SEBI's investor SIP calculator also treats return calculations as illustrations. No fixed market return can be promised.
Common questions
How is lump-sum compound growth calculated?
With the effective annual convention and no further contributions, future value equals the starting amount multiplied by (1 + annual return) raised to the number of years.
Can the calculator show a loss?
Yes. Enter a negative annual return. The projected balance remains non-negative under the supported assumptions, while estimated gains become losses.
Does this decide whether to invest now or later?
No. The delay view compares two simplified contribution timelines at the same assumed return. It is not a market-timing recommendation and cannot predict the better entry date.