Lumpsum Calculator
A lumpsum investment is taxed more simply than a SIP: one purchase date means one holding period, so the whole gain is long term once you pass a year. This calculator applies that, then shows what the maturity amount is worth in today's money.
Where it goes
- What's actually left₹8.50 lakh
- Long-term capital gains tax−₹1.28 lakh
- Inflation at 6%−₹6.72 lakh
Worth knowing
Is the return really 12% a year?
We grow the money by 12 ÷ 12 each month, the standard monthly compounding convention. Compounded that way, 12% works out to an effective 12.68% a year.
Why does this not ask for my income tax slab?
Equity fund gains are taxed at flat rates — 12.5% long-term, 20% short-term — regardless of what you earn. Your slab only matters for things taxed as income, like fixed deposit interest.
How is a lumpsum taxed differently from a SIP?
It is simpler: one investment date means one holding period, so the whole gain is long-term as long as you hold beyond a year. A SIP's last twelve instalments are always short-term at the point of sale.
What is ₹15,22,044 actually worth?
About ₹8,49,902 in today's money, at 6% inflation.
What tax rules do the later years use?
We know the rules through FY2026-27. Every year after that is calculated using those same rules, because nobody knows what the rules will be. Treat the later years as an illustration, not a forecast.
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Tax rules applied as of 2026-Q2, last verified against official sources on 2026-08-23. This calculator does arithmetic on the figures you enter — it is not investment advice, not a recommendation, and not a forecast. All calculators