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Lumpsum Calculator

↻ Updated FY 2026-27

See what a single lump-sum investment grows to over time. Enter the amount, expected annual return and horizon to get the maturity value and estimated gains.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

One-time investment

Expected annual return

Investment period

Maturity value

₹15,52,924

after 10 years

Amount invested

₹5,00,000

one-time

Estimated gains

₹10,52,924

211% total return

Corpus growth12% · 10 yr

year 1year 10

Invested vs gains

Invested₹5,00,000

Estimated gains₹10,52,924

ASSUMPTIONS — Assumes the full amount is invested today and compounds at a constant 12% annual return. Mutual fund returns are market-linked and not guaranteed — actual returns vary. Figures are before taxes, exit loads and inflation.

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Sources & rate references

·Income Tax Department, India — tax slabs FY 2026-27 — New & old regime slabs, standard deduction, 87A rebate (AY 2027-28)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged
·GST Council (56th meeting) — GST 2.0 rate structure — Slabs 0/5/18/40% effective 22 Sep 2025
·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Income Tax Department — capital gains (Budget 2024 rules) — Equity STCG 20%, LTCG 12.5% over ₹1.25L
·AMFI — SIP is market-linked; returns are assumptions

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.