Investment calculators
Work out what an investment grows to, what a goal needs, or what an investment has returned. Each calculator shows how it works the figures out.
Choose a calculator
Pick what you are doing.
- I invest a fixed amount every monthSIPStep-up SIPXIRR
- I invest a sum onceLumpsumCAGR
- I am saving for somethingGoal planningRetirement
- I want a monthly income from a sumSWPRetirement
- I move money from one fund to anotherSTP
- I hold a mutual fundMutual fund returnsXIRR
- I bought a share at different pricesStock average
- I have money in a depositCompound interestSimple interest
- I put a fixed sum in a deposit every monthRD
Three to start with
Each opens on these figures; change any of them to see your own.
- Monthly investment
- ₹10,000
- Expected return a year
- 12%
- Time period
- 10 years
- Investment
- ₹1,00,000
- Expected return a year
- 12%
- Time period
- 10 years
- What the goal costs today
- ₹20,00,000
- Years to the goal
- 10 years
- Inflation a year
- 6%
- Expected return a year
- 12%
What an investment grows to
- SIP calculatorWhat a fixed monthly investment grows to over the years at a steady return.
- Step-up SIP calculatorWhat a monthly investment grows to when you raise it by a fixed share every year.
- Lumpsum calculatorWhat a one-time investment grows to over the years at a steady return.
Planning a goal or an income
- SWP calculatorHow long a sum lasts when you withdraw a fixed amount from it every month.
- STP calculatorWhat a sum moved monthly from one fund to another is worth at the end.
- Goal planning calculatorThe monthly SIP or one-time sum needed to reach a goal, with inflation.
- Retirement calculatorThe sum needed at retirement for your expenses, and the SIP that builds it.
Working out a return
- CAGR calculatorThe steady yearly growth rate between a starting and an ending value.
- XIRR calculatorThe yearly return on investments made and withdrawn on different dates.
- Mutual fund returns calculatorYour gain on a mutual fund from the NAV you bought at and the NAV today.
- Stock average calculatorThe average price paid for shares bought at different prices.
Interest on a deposit
- Compound interest calculatorWhat a deposit grows to when interest is added to it and earns interest in turn.
- Simple interest calculatorThe interest on a sum when interest is paid only on the original amount.
- RD calculatorWhat a recurring deposit pays at maturity: a fixed sum put in every month at a set rate.
About investment calculators
Investment calculators work out what a sum grows to, what a goal needs, or what a return was, from the amounts, rate and time entered. This page lists fourteen, from SIP and lumpsum to CAGR, XIRR, stock average and recurring deposit.
Growth calculators
The SIP, step-up SIP and lumpsum calculators project a future value from an assumed steady annual return. A SIP (systematic investment plan) is a fixed amount invested monthly; the step-up version raises it by a set share each year. A lumpsum is a single investment.
A lumpsum grows as the amount times one plus the yearly return, raised to the number of years: ₹1,00,000 at 10% a year for 5 years becomes ₹1,61,051. A SIP applies the same idea to each monthly instalment for the months it stays invested. Real funds do not return a steady rate, so the result is an illustration.
Planning calculators
The goal and retirement calculators work backwards from a future cost. They raise today's cost by an assumed inflation rate, then find the monthly SIP or one-time sum that reaches it.
The SWP (systematic withdrawal plan) calculator shows how long a sum lasts when a fixed amount is withdrawn monthly. The STP (systematic transfer plan) calculator shows the end value when a sum is moved monthly from one fund to another.
Return calculators
CAGR (compound annual growth rate) is the steady yearly rate that takes a starting value to an ending value: the ending value divided by the starting value, raised to one over the years, minus one. A rise from ₹1,00,000 to ₹2,00,000 in 7 years is a CAGR of about 10.4%.
CAGR uses one start and one end. XIRR (extended internal rate of return) handles money put in and taken out on different dates, so it suits SIPs. The mutual fund returns calculator uses the NAV (net asset value, the price of one unit) at purchase and today. The stock average calculator gives the average purchase price.
Deposit calculators
Simple interest is paid on the original amount only: principal times rate times years. ₹1,00,000 at 8% for 3 years earns ₹24,000. Compound interest adds each period's interest to the balance, so yearly compounding earns about ₹25,971.
The RD (recurring deposit) calculator gives the maturity value of a fixed monthly deposit at a set rate.
What the figures leave out
Projections are pre-tax and assume one constant rate. Capital gains tax, fund expenses, exit loads, brokerage and year-to-year swings in return are not included.