Lump Sum Calculator
Enter a one-time investment; get the future value with your chosen compounding.
For the 'in today's ₹' preview only
Spreading redemption over multiple years reduces tax (each year gets its own ₹1.25L exemption).
Invest this lump sum in a fund that matches your horizon.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
This is straightforward compound-interest projection for a one-time investment — a bonus, an inheritance, or a maturity payout you're redeploying — rather than a recurring monthly contribution.
Standard compound interest: final value = principal × (1 + annual return)^years. The calculator also shows the same figure in today's rupees after your assumed inflation rate, and an approximate post-tax value assuming the gain is taxed as long-term capital gains at redemption.
₹5L invested for 10 years at 12% p.a. grows to roughly ₹15.5L — a 3.1× multiple. The same ₹5L left in a savings account at ~3% would only reach about ₹6.7L over the same period, which is the entire case for taking on equity volatility for money you won't need for a decade.
Should I invest a lump sum all at once or spread it out (STP)?▾
Investing all at once statistically wins more often than not over long horizons, since markets rise more years than they fall. But if the amount is large relative to your other savings, a Systematic Transfer Plan (STP) over 6–12 months trades some expected return for lower regret risk if markets fall right after you invest.