Calculate returns on one-time investments with inflation adjustment & goal planning
Our Lumpsum Calculator helps you estimate the future value of a one-time investment. It accounts for compound returns and inflation to show your real purchasing power.
What is CAGR in lumpsum investment?
CAGR (Compound Annual Growth Rate) is the mean annual growth rate of an investment over a specified time period. It smooths out returns and gives a realistic picture of performance. Formula: CAGR = [(Ending Value / Beginning Value)^(1/n)] - 1
How does inflation affect my investment returns?
Inflation erodes purchasing power. If your investment grows at 12% but inflation is 6%, your real return is approximately 6%. Our calculator shows both nominal and inflation-adjusted values.
What is a good lumpsum return expectation?
Equity mutual funds historically return 10-15% CAGR over long term. Debt funds return 6-8%. Fixed deposits return 5-7%. Always use conservative estimates (10-12% for equity) for planning.
Should I invest lumpsum during market highs?
Timing the market is difficult. If markets seem overvalued, consider STP (Systematic Transfer Plan) — invest in a debt fund and transfer systematically to equity over 6-12 months.
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