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.
Calculator
Kaise banta hai
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.
P = lagaya gaya paisa, r = saalana return (decimal me), n = saal
Teen asli misaal — number ke saath
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.
Log yahan galti kya karte hain
- 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.
- 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.
- 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.
- 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.
- 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.
Bharat me 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.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Lumpsum aur SIP me kaunsa behtar hai?
Ek saath bada paisa ho to lumpsum, har mahine bachat ho to SIP. Bahut se log dono chalate hain.
Kitna return maan kar chalna chahiye?
Equity ke liye 10-12% ka andaaza aam hai. Isse zyada maan kar plan banana khatarnak hai.
Kya lumpsum me nuksan ho sakta hai?
Haan. Market gir gaya to value kam ho sakti hai. Isliye lamba samay dena zaroori hai.
Beech me paisa nikal sakte hain?
Open-ended fund me haan. ELSS jaise fund me lock-in hota hai.
Kya ye calculator tax ke baad ka number deta hai?
Nahi, ye tax se pehle ka anuman hai. Apne slab ke hisaab se tax ghata kar dekhein.