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Lumpsum Investment Calculator
What a one-time investment becomes, with the rule of 72 for a quick sanity check.
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Result
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A single investment left alone compounds on itself. The projection is simple; the discipline of not interrupting it is where the returns actually come from.
The rule of 72
Divide 72 by the annual rate for a close approximation of the doubling time. At 12% money doubles in about six years, at 8% in nine. It is a useful check on whether a projection you have been shown is plausible.
Lump sum or staggered
Mathematically, investing everything at once usually beats staggering it, because time in the market is the dominant factor. Behaviourally, a large single entry just before a fall is the kind of experience that ends an investing career. Splitting a large sum across a few months is a reasonable price for staying invested.
Taxes
This shows the pre-tax figure. Equity held over a year is taxed at 12.5% above the ₹1.25 lakh annual exemption; debt is taxed at your slab rate.
Frequently asked questions
Should I invest a large sum all at once?
Mathematically, usually yes — time in the market is the dominant factor. Behaviourally, a large entry just before a fall is the kind of experience that ends an investing career, so splitting a very large sum over three to six months is a reasonable price for staying invested.
What is the rule of 72?
Divide 72 by the annual return for an approximate doubling time. At 12% money doubles in about six years, at 8% in nine. It is a quick sanity check on any projection you are shown.
Does this account for tax?
No, the figure is pre-tax. Equity held over a year is taxed at 12.5% above the ₹1.25 lakh annual exemption; debt and most other assets are taxed at your slab rate or 12.5% depending on the asset and holding period.
Is a fixed return assumption realistic?
It is an average, not a path. Real returns arrive unevenly, and the order matters more the closer you are to needing the money.