Three fast calculators for Indian investors — SIP, CAGR and lumpsum — with live ₹ results in Indian number format, an invested-versus-returns chart, the exact formula explained in plain English, and a worked example you can verify by hand.
Estimates only — projected values are not assured returns and this is not investment advice.
Each tool answers one specific question. The inputs sync between a number field and a slider, results update live as you type, and every page shows its formula so you can audit the math.
Question it answers: "If I invest a fixed amount every month, what could it grow to?" Enter the monthly amount (₹500–₹1,00,000), an assumed annual return and the number of years. Uses the standard annuity-due SIP formula — FV = P × ((1+i)n − 1)/i × (1+i) — the same one mutual-fund platforms use. Example: ₹10,000/month at 12% for 10 years → about ₹23.23 lakh on ₹12 lakh invested.
Open the SIP calculatorQuestion it answers: "My investment went from X to Y in N years — what was the annualized return?" Enter the starting value, ending value and holding period. Computes CAGR = (FV/PV)1/years − 1 plus total growth percent — the honest way to compare a 3-year fund against a 7-year stock. Example: ₹1,00,000 → ₹2,50,000 in 6 years is 16.50% CAGR, not 25% a year.
Open the CAGR calculatorQuestion it answers: "If I invest a single amount today, what could it become?" Enter the one-time amount, an assumed annual growth rate and the horizon. Uses compound interest — FV = PV × (1+r)years — with a year-by-year sense of how compounding accelerates. Example: ₹1 lakh at 12% for 15 years → about ₹5.47 lakh, of which ₹4.47 lakh is growth.
Open the lumpsum calculator| Your situation | Use this | You enter | You get |
|---|---|---|---|
| Starting a monthly mutual-fund or stock SIP | SIP Calculator | Monthly ₹, expected return %, years | Invested amount, estimated returns, total value |
| Received a bonus / maturity amount to deploy once | Lumpsum Calculator | One-time ₹, expected return %, years | Invested amount, estimated returns, total value |
| Checking what a stock or fund actually returned per year | CAGR Calculator | Starting value, ending value, years held | CAGR % and total growth % |
| Comparing two investments held for different periods | CAGR Calculator | Each investment's start/end values and years | Comparable annualized rates |
Data as of —
Every projection on this site is only as honest as the return you assume. Some grounding, from our research desk's data file: the Nifty 50 closed at 23,161.60 on June 11, 2026 (per Trading Economics) and the BSE Sensex at 73,832.55, with the Sensex reported down roughly 9.6% year-over-year amid foreign-fund outflows and Middle East tensions. Several index heavyweights are sharply negative over one year — TCS −38%, ITC −34%, Infosys −28%, HDFC Bank −24% — while SBI (+23%) and Eicher Motors (+34%) gained. That spread inside a single year is exactly why a flat assumed rate is a planning device, not a forecast.
Practical guidance for the calculators:
All market figures above are approximate as of the June 10–11, 2026 close, aggregated from public sources (Trading Economics, screener.in, Business Upturn and others), and should be re-verified before any decision. This is research aggregation, not investment advice.
Open a free demat & trading account with a SEBI-registered discount broker and start with a small, disciplined SIP.
Yes, all three calculators are completely free, run entirely in your browser with plain JavaScript, and send nothing to any server. There is no sign-up, no email capture and no tracking of the amounts you enter.
Use the SIP calculator when you invest a fixed amount every month, the lumpsum calculator when you invest a single one-time amount, and the CAGR calculator when you already know a starting value and an ending value and want the annualized growth rate between them. SIP and lumpsum project forward; CAGR measures backward.
Over 15-plus-year periods the Nifty 50 has historically compounded in the low double digits, so 10–12% is a common planning assumption — but it is an assumption, not a promise. As of the June 11, 2026 close the Sensex was reported down roughly 9.6% year-over-year, a reminder that returns arrive unevenly. Test your plan at 8% as well, and remember actual returns can be negative over shorter periods.
No. The results are pre-tax, pre-cost nominal values. Equity LTCG above ₹1.25 lakh per financial year is taxed at 12.5%, short-term gains at 20%, mutual funds charge an expense ratio, and inflation reduces real purchasing power. Treat the outputs as estimates for planning, not as predicted account balances.
No. The calculators apply a constant assumed growth rate that you choose; real market returns fluctuate year to year and can be negative. Investments in securities are subject to market risk, and nothing on this page is investment advice.