What this lumpsum page actually computes
One deposit compounds at a constant annual rate: A = P(1 + r)t. That is the right engine for a bonus already in the bank. It is the wrong engine for money that will arrive as salary. Same rupees, different timing SIP vs lumpsum.
Inflation on this page deflates the finished corpus. It does not change the fact that you already took market timing risk on day one. Compare a lumpsum at 8% and 12% before you treat a screenshot as a plan.
Day-one money vs the same rupees as a SIP
Motion is the same maths as the worksheet. Reduced-motion browsers skip the grow.
Calculator education
When to use this calculator
Use this page when a sum is already available — a bonus, maturity, or sale proceeds — and you want to see a possible future value under a constant annual rate.
How to read your result
Invested amount is the principal you typed. Estimated returns are total value minus that principal. Total value uses A = P(1 + r)^t at the annual rate on the slider.
If inflation is shown, it deflates the finished corpus. It does not change the fact that you took market-timing risk on day one.
Key assumptions and limitations
- One contribution on day one; no further SIPs inside this engine.
- A constant annual return you type; not a scheme’s historical CAGR pasted forward.
- Fees and tax sit outside the main loop.
Common mistakes
- Using this engine for money that will arrive as salary (that is the SIP page).
- Pasting last year’s fund CAGR in as next decade’s assumed return.
- Comparing only the higher of 8% and 12% and screenshotting that one.
Related guides
Related calculators
A lumpsum illustration compounds one deposit at a constant rate. Actual market paths will not be a straight line. Full disclaimer.
Author / methodology
What I check on a lumpsum
- Is the money already in the account? If it arrives with salary, this is the wrong engine.
- Would I still deploy if the index was −20% tomorrow? Day-one lumpsum is a timing bet.
- I compare 8% and 12% on the same principal before I screenshot the higher one.
Cash sitting with you vs cash already in a scheme
A lumpsum formula assumes the rupees left the bank on day one. Parking them in a liquid fund for six months is a different trade.
| Where the money sits | Market-timing exposure | Usual Indian wrapper |
|---|---|---|
| Savings / current account | None yet, you still have to pick a day | Bank; deposit insurance is not an equity promise |
| Overnight / liquid fund | Small NAV wiggle, STP can drip into equity | AMC; no DICGC; exit load possible on some plans |
| Equity / hybrid scheme on day one | Full path from that NAV | AMC; TER and tax on that folio, not on this page |
If the bonus is still in salary, this is the wrong engine. Use the SIP page until the rupees actually exist.
A = P(1 + r)^t. Same deposit, two constant rates.