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Lumpsum Calculator

Wealth Planner

Calculate your mutual fund returns for one-time lumpsum investments. Visualize compound interest and view a detailed yearly growth breakdown.

Calculator Inputs

Live Calculation

Total Investment

₹

₹ 10K ₹ 1Cr

Expected Return Rate (p.a.)

5% 30%

Time Period

1 Yr 40 Yrs

moving Adjust for Inflation?

Total Future Value info

₹ 0

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Total Invested Amount

₹ 0

Est. Wealth Gain

₹ 0

Yearly Growth Breakdown

Year	Invested	Balance

security Local Math Engine

All calculations run completely inside your browser sandbox using highly optimized client-side JS compiled scripts. No financial data is ever transmitted to our servers.

Formula Details

How the math works

Equated Monthly Installments (EMI) are calculated using the standard reducing balance amortization model.

EMI = P × r × [((1 + r)^n) / ((1 + r)^n - 1)]

EMI

Equated Monthly Installment

Principal Loan Amount borrowed

Monthly interest rate (Annual Rate / 12 / 100)

Total loan repayment tenure in months (Years × 12)

Reference Deck

Standard Benchmarks

Sample projections under common configurations.

Scenario	Short-Term	Medium-Term	Long-Term
₹20 Lakh Home Loan (8.5% p.a.)	10 Yrs EMI: ₹24,797	15 Yrs EMI: ₹19,695	20 Yrs EMI: ₹17,356
₹50 Lakh Home Loan (8.5% p.a.)	10 Yrs EMI: ₹61,993	15 Yrs EMI: ₹49,237	20 Yrs EMI: ₹43,391
₹5 Lakh Personal Loan (12% p.a.)	3 Yrs EMI: ₹16,607	5 Yrs EMI: ₹11,122	7 Yrs EMI: ₹8,812

FAQs

Compliance & Calculations

What is reducing balance amortization? expand_more

Reducing balance amortization means that interest is calculated only on the remaining outstanding principal amount, not the initial loan principal, saving you massive interest charges over the tenure.

How can I reduce my total loan interest liability? expand_more

You can reduce your total interest liability by opting for a shorter tenure, making regular part-prepayments, or using balance transfer facilities to switch to a lower interest rate.

Does prepaying my home loan attract penalties in India? expand_more

Under RBI regulations, individual borrowers with floating interest rate home loans do not attract any prepayment penalties from banks or financial institutions.

Understanding Lumpsum Investment

A Lumpsum Investment involves depositing a significant amount of money into a mutual fund or investment vehicle in a single go, as opposed to splitting it across months like an SIP.

The Compound Interest Formula

FV = P × (1 + r)ⁿ

FV = Future Value
P = Principal investment amount
r = Estimated rate of return (decimal)
n = Number of years

Why Inflation Adjustment Matters

₹1,00,000 today will not have the same purchasing power 10 years from now. By checking the "Adjust for Inflation" toggle in our calculator, you can see the real value of your future wealth in today's money. It uses the Real Rate of Return formula: Real Return = [(1 + Nominal Return) / (1 + Inflation)] - 1.

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