Lumpsum Investment Calculator

One-time investment growth, with the inflation-adjusted value.

Enter the amount, expected return and period. Add an inflation figure to see the corpus in today's money.

Amount invested*

₹

Expected annual return*

Period (years)*

Assumed inflation

The nominal figure is misleading on its own

A corpus twenty years out looks impressive until you discount it for inflation. That is why this calculator shows both — the number you will see in the statement, and what it will actually buy.

Real return is what matters

Real return is roughly the nominal return less inflation, and precisely (1 + nominal) ÷ (1 + inflation) − 1. If it is negative, the investment loses purchasing power however good the nominal figure looks.

Frequently asked questions

Lumpsum or SIP?

A lumpsum wins if markets rise steadily from the entry point, and loses badly if they fall right after. SIP trades some upside for less timing risk.

What inflation rate should I assume?

Long-run Indian CPI has generally run in the mid single digits. Your personal inflation may differ, especially for education and healthcare.