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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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A lumpsum calculator grows a single deposit as principal × (1 + annual return) raised to the number of years — standard annual compounding with nothing added along the way, so the whole sum earns for the full term. For example, ₹5,00,000 at 10% p.a. for 10 years projects ≈ ₹12,96,871, about 2.59× the starting amount. The Multiple figure on the page shows exactly this growth factor.
Enter the one-time amount, an expected annual return, and the years you can stay invested. Because the entire outcome hinges on one rate, run at least three — say 8%, 10%, and 12% — to see the range before deciding anything. Compare the result with a staggered SIP of the same total to feel the difference timing makes: all-in on day one versus spread over months.
It does not adjust for inflation, deduct tax on gains, or model partial withdrawals along the way. Pair it with the inflation calculator to see the corpus in today's money.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
A lumpsum wins when markets rise steadily from day one; a SIP wins when they fall first and recover, because later instalments buy cheaper. Since nobody knows the path, many investors split a windfall: part now, the rest staggered.
The mechanics are similar, but an FD uses a contracted bank rate with quarterly compounding, while this lets you model any expected return with annual compounding for market investments.
No. This shows the nominal value. Use the inflation calculator to see what the corpus is worth in today's money.
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