Lumpsum Calculator
Calculate returns on lumpsum investments.
Lumpsum Calculator
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The Finzorio Lumpsum Calculator projects the compounding growth of one-time mutual fund or equity investments. Calculate future wealth, capital gains, and post-tax returns across customized holding periods.
When to Choose Lumpsum Investing
A Lumpsum Investment involves deploying a significant single amount into financial assets. Lumpsum investments excel when markets undergo sharp valuations dips or when deploying annual performance bonuses, property sale proceeds, or maturity proceeds from older fixed deposits.
Lumpsum Future Value Formula
FV = P × (1 + r)^n
- FV = Future Value of Lumpsum Investment
- P = Initial Lumpsum Principal Amount
- r = Expected Annual Return (in decimal, e.g., 12% = 0.12)
- n = Investment Horizon in Years
Worked Example: 15-Year Lumpsum Investment
Investment: ₹10,00,000 invested one-time in Equity Mutual Funds at 12% CAGR for 15 years.
• Initial Capital = ₹10,00,000
• Capital Appreciation = ₹44,73,567
• Final Portfolio Value = ₹54,73,567 (Capital multiplies 5.47 times).
Frequently Asked Questions
A Systematic Transfer Plan (STP) parks your lumpsum money in a low-risk Liquid Fund and systematically transfers a fixed portion into an Equity Fund every week or month, protecting your capital from sudden market crashes.