Lumpsum Calculator

Lumpsum wins more often — historically about two-thirds of the time — because markets rise more often than they fall, and the entire sum compounds from day one. SIP wins on protecting against bad timing and suits money you don't have yet. Use lumpsum for windfalls, SIP for regular income.

Using FV = P × (1 + r/12)^(12t), the same monthly-compounding formula as compound interest. ₹5,00,000 at 12% for 10 years grows to about ₹16,50,193 — use the calculator above for any amount, rate or period.

An STP moves a lumpsum gradually from a debt or liquid fund into an equity fund over several months, blending lumpsum and SIP behaviour — the money starts earning debt-fund returns immediately while entry-timing risk into equity is smoothed out.

If your horizon is 7+ years and you can tolerate short-term volatility, investing immediately has the higher expected outcome. If you would panic-sell during a downturn shortly after investing, spreading it via STP or SIP over 6–12 months trades some expected return for peace of mind.

No — it shows pre-tax growth. In India, equity fund gains above ₹1.25 lakh/year held over a year are taxed at 12.5% LTCG; shorter holdings and debt funds are taxed differently. Deduct your expected tax rate from the final value for a post-tax estimate.