Lumpsum Calculator

Bonus mila, PF nikla, ya zameen bech kar ek saath paisa aaya — ab sawaal ye ki agle kuch saal me wo kitna ban sakta hai. Ye calculator ek baar lagaye gaye paise ka future value nikaal deta hai, aur alag karke dikhata hai ki usme munafa kitna hai.

Apna number daaliye

Hisaab ke peeche ki baat

Lumpsum me poora paisa pehle hi din se kaam karna shuru kar deta hai. Isliye compounding ka poora fayda milta hai. Har saal ka return agle saal ke mool me jud jaata hai, aur wahi badhi hui rakam aage return kamati hai. SIP me har kist alag samay se shuru hoti hai, isliye ek hi rakam par lumpsum ka nateeja aam taur par thoda oopar rehta hai — badle me timing ka risk zyada hota hai.

Teen sthitiyan, teen jawab

Misaal 1 — mid-term nivesh. ₹4,50,000 ek baar lagaye, 11% saalana return, 5 saal. Value lagbhag ₹7,58,276 banti hai — yaani ₹3,08,276 munafa.

Misaal 2 — lamba samay. ₹1,00,000, 12% return, 20 saal. Value lagbhag ₹9,65,000. Sirf ek baar ka paisa, par 20 saal me kareeb 9.6 guna.

Misaal 3 — dar ka asar. Wahi ₹1 lakh 20 saal ke liye — 8% par ₹4,66,000, 12% par ₹9,65,000. Sirf 4% ka farak, par nateeja dugne se bhi zyada. Lambe samay me chhota sa farak bahut bada ho jaata hai.

Kahan log chook jaate hain

1. Past return ko pakka maan lena. Kisi fund ne pichhle 5 saal me 15% diya, iska matlab ye nahi ki aage bhi dega. Andaaza lagate waqt thoda kam number rakhna zyada surakshit hai.
2. Mehngai bhool jaana. Aaj ke ₹10 lakh aur 20 saal baad ke ₹10 lakh ek jaise nahi hain. 6% mehngai par aaj ke ₹10 lakh ki taakat 20 saal baad lagbhag ₹3.1 lakh reh jaati hai.
3. Ek hi din me poora paisa daal dena. Market oopar chal raha ho to poora lumpsum ek saath daalne ka risk hota hai. Bada paisa ho to use kuch mahino me baant kar daalna (STP) risk kam karta hai.
4. Tax na ginna. Equity me ek saal se pehle bechne par short-term tax lagta hai, baad me long-term. Debt aur FD ka return slab ke hisaab se judta hai. Haath me aane wala number hamesha kam hota hai.
5. Emergency fund ka paisa lagana. Lumpsum wahi paisa hona chahiye jiski agle 3-5 saal zaroorat na ho. Warna galat waqt par nikalna pad jaata hai.

Yahan ki khaas baatein

• Equity tax: 12 mahine baad bechne par long-term capital gain, usse pehle short-term. Dar samay-samay par badalti hai — filing se pehle official site par dekh lein.
• ELSS: Old Regime me 80C ki chhoot deta hai, par 3 saal ka lock-in hota hai.
• Debt fund: Ab zyadatar debt fund ka gain slab ke hisaab se juda jaata hai, isliye FD se tulna karte waqt dono par tax ke baad ka return dekhein.
• KYC: Mutual fund me ek baar KYC ho jaaye to sab jagah chalti hai.
• Nominee: Har folio me nominee bharna ab zaroori jaisa hai — chhod diya to baad me dikkat hoti hai.

Milte-julte tools

• Goal Ke Liye Kitni SIP Chahiye? Poori Guide
• SIP Calculator
• SIP Guide
• CAGR Calculator
• Mutual Fund vs FD
• Compound Interest

Ek musht nivesh — log kya dhoondhte hain

Ise kai naamon se dhoondha jaata hai — lumpsum, ek musht, one-time investment, ya एकमुश्त कैलकुलेटर. Sab ek hi cheez hai: ek baar paisa lagaya aur chhod diya, har mahine kuch nahi daala.

Ye tab kaam aata hai jab ek saath rakam aaye — bonus, gratuity, property bikri, bima ka claim, ya gaon ki zameen ka paisa.

12% saalana ke anuman par. Ye waada nahi hai — asli return har saal upar-neeche hota hai.

Bade amount ko equity me ek saath daalne ke bajay STP (paisa pehle debt fund me, phir har mahine thoda-thoda equity me) zyada samajhdaari hoti hai — poora tarika Goal Lumpsum Calculator me hai.

Aksar pooche jaane wale sawaal