Investment
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Investment breakdown
Share of invested capital versus net returns at maturity.
Investment vs growth
Watch a single investment compound against the flat capital you put in.
| Year | Investment | Interest | Expenses | Corpus |
|---|---|---|---|---|
| Run a calculation to see the yearly schedule. | ||||
Also calculate
Switch tools without leaving your flow.
Lumpsum Calculator
Project one-time mutual fund investments over your chosen tenure.
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Lumpsum Inflation Calculator
Adjust one-time investment outcomes for inflation.
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SIP Expense Ratio Calculator
See how mutual fund fees drag SIP corpus over time.
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SIP Calculator
Plan regular mutual fund SIPs with charts and yearly breakdown.
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Fees bite hardest on a one-time investment
With a SIP, later instalments are only exposed to the fund's fee for their remaining years. A lump sum has no such reprieve: the whole amount pays the expense ratio every year for the entire tenure. That makes fees the clearest, most predictable cost you can control on a one-time investment, and the one worth checking before you pick between two otherwise similar funds.
How the calculation works
The expense ratio is subtracted from your expected return and the principal is compounded at both the gross and net rates. Expense paid is the difference between those two final values — not just the fees deducted, but the returns those fees would have earned had they stayed invested.
For a projection before fees, use the core lumpsum calculator. For the same question on recurring contributions, use the SIP expense ratio calculator.
FAQ
Lumpsum expense ratio FAQs
How is expense ratio applied to lumpsum?
We subtract expense ratio from expected annual return, then compound monthly. Expense paid equals the difference between corpus at gross return and corpus at net return.
Why model expense ratio on a one-time investment?
Fees compound for the full tenure on the entire principal. A small percentage difference can become a large rupee gap over 10–20 years — especially useful when comparing regular vs direct plans.
Is this different from the SIP expense calculator?
Yes. This page models a single contribution. For recurring SIPs, use the SIP expense ratio calculator so fee drag applies to each installment over time.