Investment Return Calculator

Calculate returns, CAGR, and XIRR on your investments

Investment Details

Future Value

₹0

Total Investment:₹0
Total Returns:₹0
Absolute Return:0.00%

Return Metrics

CAGRCompound Annual Growth Rate
0.00%
XIRRExtended Internal Rate of Return
0.00%
Absolute ReturnTotal percentage gain
0.00%

Investment Summary

Investment TypeLump Sum
Total Invested₹0
Future Value₹0
Wealth Gained₹0
Time Period5 Years

Return Breakdown

Investment0%
Returns0%
0%

Invested

0%

Returns

Growth Projection

YearInvestedPortfolio ValueReturnsReturn %
1₹1,00,000₹1,12,000₹12,00012.0%
2₹1,00,000₹1,25,440₹25,44025.4%
3₹1,00,000₹1,40,493₹40,49340.5%
4₹1,00,000₹1,57,352₹57,35257.4%
5₹1,00,000₹1,76,234₹76,23476.2%

Compare Returns Across Investment Types

If you invest ₹1,00,000 for 5 years in different instruments:

Fixed Deposit
Safe
Returns:6.5%
Future Value:₹1,37,009
Gain:₹37,009
Debt Funds
Low Risk
Returns:7.5%
Future Value:₹1,43,563
Gain:₹43,563
Balanced Funds
Moderate
Returns:10%
Future Value:₹1,61,051
Gain:₹61,051
Index Funds
Moderate-High
Returns:12%
Future Value:₹1,76,234
Gain:₹76,234
Equity Funds
High Risk
Returns:14%
Future Value:₹1,92,541
Gain:₹92,541

Understanding Investment Returns

Return Metrics Explained

CAGR

Compound Annual Growth Rate - Shows the constant annual return rate that would give you the same final value.

CAGR = [(FV/PV)^(1/n)] - 1

Absolute Return

Simple percentage gain/loss without considering time period. Shows total increase in value.

Absolute = [(FV-PV)/PV] × 100

XIRR

Extended Internal Rate of Return - Best for SIP and irregular cash flows. Accounts for timing of investments.

More accurate for SIP

When to Use Which Metric?

Use CAGR for:
  • • Lump sum investments
  • • Comparing different investments
  • • Long-term performance analysis
  • • Mutual fund comparisons
Use XIRR for:
  • • SIP investments
  • • Irregular investments
  • • Multiple cash flows
  • • Accurate return calculation

Factors Affecting Returns

  • Market volatility and economic conditions
  • Investment tenure (longer = better for equity)
  • Expense ratio and fund management charges
  • Tax implications (LTCG, STCG)
  • Inflation impact on real returns
  • Asset allocation and diversification
  • Regular review and rebalancing

Expected Returns by Asset Class

Fixed Deposits:5-7% p.a.
Debt Mutual Funds:6-8% p.a.
Balanced/Hybrid Funds:9-12% p.a.
Index Funds:10-12% p.a.
Equity Mutual Funds:12-15% p.a.

* These are historical averages. Past performance doesn't guarantee future returns.

💡 Investment Tips

  • • Don't chase high returns - assess risk-return trade-off
  • • Consider real returns (returns minus inflation)
  • • Stay invested for long term to benefit from compounding
  • • Review portfolio annually but don't react to short-term volatility
  • • Diversify across asset classes to manage risk
  • • Factor in taxes and expenses when calculating returns
  • • SIP is better than lump sum for most retail investors