Where could a lumpsum land?
One investment, many futures
- A fan of outcomes, not one number
- Better and worse markets shown
- Your expected return in the middle
- Before tax
- ₹15.53 L
- ₹1.21 L tax if you sell it all
- In today's money
- ₹8 L
- after tax
- You put in₹5 L32%
- Growth you keep₹9.32 L60%
- Tax₹1.21 L8%
A fan of possible futures
Your inputs
Your taxOptional: old regime saves tax if this is an ELSS fund
ELSS funds count under 80C, up to what is left of ₹1.5L, in the old regime only.
Switch on to see what future amounts will buy at today's prices.
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What this means
- Doubles every 6.1 years at 12%.
Why?
A quick check: divide 72 by the return. 72 ÷ 12 ≈ 6.0 years.
- ₹10.79 L to ₹22.06 L if returns land between 8% and 16%.
Why?
Markets don't pay a fixed rate. The shaded fan on the chart shows how far apart good and bad years can leave you.
- Selling it all in 2036 costs about ₹1.21 L in tax, so you keep ₹14.32 L.
Why?
Assumes an equity fund sold in one go. Gains on units held a year or more pay 12.5% above ₹1.25 L a year; units held under a year pay 20%. Both add 4% cess. Selling across several years uses the ₹1.25 L allowance each year and lowers the bill.
- New regime: no 80C, so an ELSS fund gets no tax saving.
Why?
ELSS is only worth its 3-year lock-in for the 80C deduction, which the new regime doesn't allow. Switch to Old to see the saving.
- Buys what ₹8.67 L buys today, after 6% inflation.
Why?
Prices rise too. In today's money you'd be 73% better off, not 211%, and 60% after tax.
How it's calculated
A lumpsum compounds annually on the full amount:
FV = P × (1 + r)n
The fan uses your rate ± 4 percentage points. Milestones mark when your money doubles, triples and so on.
Tax figures follow Budget 2025 rules, for FY 2025-26 onward.