Investment Return Calculator

Work out CAGR, XIRR, and total gain on a lump sum, SIP, or holding you already own

Your 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
Gain over principal₹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%

Sample rate comparison

Same lump sum (₹1,00,000) and 5-year tenure at illustrative rates — not live fund NAVs or bank quotes.

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

About investment returns

What this calculator does

Three modes: project a lump sum at a fixed annual rate, project a monthly SIP at that rate, or enter what you invested, what it is worth today, and the dates to back out CAGR on an existing holding.

How it works

Lump sum uses FV = P × (1 + r)^t. SIP uses the standard annuity formula with monthly compounding. Existing mode derives CAGR from invested amount, current value, and elapsed years between the two dates.

Example: ₹1 lakh lump sum at 12% for 5 years → about ₹1.76 lakh (₹76k gain, CAGR 12%). ₹10k/month SIP at 12% for 5 years → about ₹8.25 lakh on ₹6 lakh invested. ₹1 lakh → ₹1.5 lakh over 5 years → CAGR about 8.5%.

CAGR, absolute return, and XIRR

Absolute return is total gain as a percentage of money put in — it ignores how long you held. CAGR smooths a lump sum or SIP outcome into one annual rate. XIRR here approximates the annualised return when cash goes out each month (SIP); for a single lump sum with no further flows, XIRR matches CAGR.

What is not included

Expense ratios, STT, LTCG/STCG tax, exit loads, and inflation are not deducted. Projected modes assume a flat return every year — real markets move up and down. The rate comparison cards use round illustrative rates, not fund fact sheets.

Sample rate comparison

The lump-sum comparison block shows how the same principal would grow at fixed rates tagged to FD, debt, balanced, index, and equity — useful for rough side-by-side math, not as a forecast or recommendation.

Before you plan around this

Match the rate to the product — debt funds and FDs do not compound at 14%. For goals, use the inflation calculator to deflate targets, then SIP or goal SIP for contribution sizing. Check actual CAGR/XIRR on your AMC statement or CAS when reviewing a live portfolio.

Disclaimer: Projections assume constant returns. Past performance and illustrative rates do not guarantee future results. Confirm tax and charges with your adviser or fund house.

Questions & answers

Lump sum, SIP, or existing holding mode
Lump sum and SIP project forward at a rate you enter. Existing mode: amount invested, value today, and dates → CAGR between those dates.
CAGR vs absolute return
Absolute: (gain ÷ invested) × 100, ignores time. CAGR: one annual rate that would grow invested amount to final value over the period. One-shot investment with no further flows: CAGR and XIRR align.
Tax and charges
Not deducted. Equity LTCG/STCG, debt fund slab tax, STT, and expense ratio will reduce what you actually keep.

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