Lumpsum Investment Calculator & Capital Gains Modeler
Compound growth projection with statutory Section 112A LTCG tax and CPI inflation discounting
Evaluate the true post-tax purchasing power of a one-time lumpsum investment. Unlike simplistic online calculators that display only gross paper wealth, this tool accounts for the revised statutory capital gains tax (Finance (No. 2) Act 2024) and official RBI retail inflation.
1. Investment ParametersDiscrete Compounding
One-Time Lumpsum Investment:₹5,00,000
Investment Horizon (Tenure):10 Years
Expected Annual Rate of Return:12% p.a.
Invested Capital
₹5.00 Lakh
₹5,00,000Gross Wealth Gain
+₹10.53 Lakh
10 Years GrowthGross Maturity Corpus
₹15.53 Lakh
₹15,52,924 Post-Tax In-Hand ValueEst. Tax: ₹1.21 Lakh
₹14.32 Lakh
Accounts for Section 112A LTCG tax at 12.5% + 4% cess after deducting the annual ₹1.25 Lakh statutory exemption.
Today's Purchasing Power5.5% CPI
₹8.39 Lakh
What this post-tax corpus can actually purchase in today's prices after 10 years of inflation discounting (Real CAGR: 5.3061551121359685%).
Sensitivity Analysis: Returns Comparison
| Return Rate | Gross Corpus | Wealth Gain | Post-Tax | In Today's ₹ |
|---|---|---|---|---|
| 8% Annualized | ₹10.79 Lakh | +₹5.79 Lakh | ₹10.20 Lakh | ₹5.97 Lakh |
| 10% Annualized | ₹12.97 Lakh | +₹7.97 Lakh | ₹12.10 Lakh | ₹7.08 Lakh |
| 12% Annualized | ₹15.53 Lakh | +₹10.53 Lakh | ₹14.32 Lakh | ₹8.39 Lakh |
| 15% Annualized | ₹20.23 Lakh | +₹15.23 Lakh | ₹18.41 Lakh | ₹10.78 Lakh |
Statutory Accounting Rules
• Equity LTCG assumes full redemption in Year 10 utilizing the statutory Section 112A ₹1,25,000 exemption.