Question 1

What does a lumpsum calculator show?

Accepted Answer

It estimates how much a one-time investment may grow over time at a chosen expected annual return.

Question 2

Is lumpsum investing better than SIP?

Accepted Answer

Lumpsum can outperform when markets rise after investment, but SIP reduces timing risk by spreading investments over time.

Question 3

Does the calculator include exit load or tax?

Accepted Answer

No. It estimates pre-tax investment growth and does not deduct exit load, expense ratio impact, STCG, LTCG, or other taxes.

Question 4

What return should I assume for mutual funds?

Accepted Answer

Use conservative assumptions based on the asset class. Debt funds, hybrid funds, and equity funds have very different risk-return profiles.