Investment Calculators
Estimate how your money could grow — through a monthly SIP, a one-time lumpsum, or both — and measure past performance with CAGR and ROI.
All projections use assumptions you set. Markets are volatile; treat the outputs as estimates, not promises.
Calculators
- SIP CalculatorProjected maturity value of a monthly SIP, with an optional annual step-up.
- Lumpsum CalculatorFuture value of a single one-time investment that compounds annually.
- Mutual Fund CalculatorCombined projection for a lumpsum plus a monthly SIP in a mutual fund.
- CAGR CalculatorThe smoothed annual growth rate between a start and end value.
- ROI CalculatorNet profit, ROI percentage and annualised ROI for any investment.
- Compound Interest CalculatorMaturity amount and interest with your choice of compounding frequency.
- Inflation CalculatorFuture cost of an expense and the shrinking purchasing power of money.
SIP or lumpsum?
Use a SIP for money you earn monthly; it spreads the entry and reduces timing risk. Use a lumpsum for money you already have and a long horizon. The mutual fund calculator models both together.
Be realistic with returns
- Long-run equity assumptions of 10–12% per annum are common; debt is lower.
- Subtract the fund's expense ratio and account for tax on gains.
- Review your plan yearly and step up contributions as income grows.
Guides
Frequently asked questions
Are these investment returns guaranteed?
No. SIP, lumpsum and mutual fund projections are based on a constant expected return you choose. Actual market returns vary every year and can be negative.
What is the difference between CAGR and ROI?
ROI is the total percentage gain over the whole period. CAGR is the equivalent smoothed annual rate, which lets you compare investments of different durations.