Lumpsum Calculator – Mutual Fund Returns & CAGR

Lumpsum Calculator – Mutual Fund Returns

Project the growth of a one-time investment with a year-wise table and the inflation-adjusted real value of your corpus – plus a quick CAGR calculator to measure any investment’s actual annual return.

Equity funds have averaged 10-14% over long periods.
Used to show the real purchasing power.
Corpus Value at Maturity
Rs 0
Amount investedRs 0
Wealth gainedRs 0
Real value (after inflation)Rs 0
Year-wise growth
YearOpeningGrowthClosingReal value
CAGR (Compound Annual Growth Rate)
0%
Why CAGR matters. Absolute return can look big over long periods; CAGR shows the steady annual rate the investment actually compounded at, making different investments and tenures directly comparable. Compare a fund’s CAGR with its benchmark and with risk-free options like FDs before judging performance. Past performance is not indicative of future returns; this is not investment advice.
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Lumpsum & CAGR — FAQs

How is lumpsum return calculated?
A one-time investment grows by compound interest: Future Value = Principal x (1 + return)^years. The calculator also shows the inflation-adjusted value, i.e. what the corpus is worth in today's money.

What is CAGR?
CAGR (Compound Annual Growth Rate) is the true annualised return of an investment: CAGR = (Final Value / Initial Value)^(1/years) - 1. It smooths out year-to-year ups and downs into a single yearly rate.

Lumpsum or SIP - which is better?
A lumpsum suits money you already have and works best when markets are low; a SIP spreads investment over time and averages your purchase cost. Many investors use both.

Are lumpsum mutual fund returns taxable?
Yes, as capital gains when you redeem. Equity funds held over a year attract 12.5% LTCG above the Rs 1.25 lakh annual exemption. Use our Capital Gains Calculator to estimate the tax.

What return should I assume?
Over long periods diversified equity funds have averaged about 10-14% a year, with debt and hybrid funds lower. Returns are not guaranteed - use a conservative figure.

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