A bonus, a payout or an inheritance?
Got a lumpsum? Here's where it goes.
- Emergencies, debt, home loan, then investing
- Sized to your safety net and loans
- In that order
Your plan, step by step
- Top up emergency fund₹1.4 L
- Invest for the long run₹3.6 L
- Top up emergency fund₹1.4 L
Brings your safety money to ₹2.4 L, 6 months of expenses. Keep it out of shares.
- Invest for the long run₹3.6 L
Could grow to about ₹10.36 L by 2036, after tax.
Your inputs
What you already holdOptional: splits what you invest toward a mix for your age
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What this means
- Equity could leave you ₹5.7 L more than an FD by 2036.
Why?
After tax an FD earns about 5.6% a year at your 20% slab. Equity at 12% is not guaranteed.
- Spreading over 12 months costs about ₹46.5K, but softens a bad start.
Why?
Markets rise more often than they fall, so all at once usually ends higher. Spreading protects you from investing just before a fall.
More details
Where ₹5 L could be by 2036
- Equity fund, all at oncemarket-linked₹14.32 L · could be ₹10.2 L to ₹20 L
- Equity fund, over 12 monthsmarket-linked₹13.86 L · could be ₹10.09 L to ₹18.97 L
- Prepay home loan8.5% saved, sure₹11.3 L
- Fixed deposittaxed at 20%₹8.62 L
A sure return is worth more than the same market return, because it can't fall. That's why clearing debt comes first.
How it's calculated
The money is assigned in priority order. Each step takes only what it needs, and the rest moves on.
- Emergency fund: topped up to 6 months of expenses.
- Costly debt: credit cards and personal loans are paid off in full. Their interest is higher than any safe return.
- Home loan: we find the equity return at which investing beats prepaying, the same way as the prepay-or-invest calculator. If your expected return beats it by 2 points or more, the rest is invested. Within 2 points it's split half and half. Below it, the rest prepays the loan.
- Invest: whatever is left goes to long-term equity.
After-tax returns: equity gains above ₹1.25 lakh are taxed at 12.5%. FD and liquid-fund interest is taxed at your slab every year. The 12-month transfer keeps the money in a liquid fund at the FD rate and moves an equal part into equity each month.
Tax figures follow Budget 2025 rules, for FY 2025-26 onward.