Investments Calculators
Calculate absolute return, average return and investment and other investments calculations.
These calculators answer three different kinds of investment question: what a regular investment could grow to, what an investment has actually returned, and whether a project's future cash flows justify its cost. Picking the right one matters, because the same pair of numbers can give a very different "return" depending on how time and cash flows are counted.
Which Investments calculator do you need?
- What will a monthly SIP grow to?SIP CalculatorFuture value of a fixed monthly investment at an assumed return, with the amount invested shown separately.
- What monthly SIP do I need for a target amount?SIP Goal CalculatorWorks the SIP formula backwards from the amount you want to reach.
- What if I raise my SIP every year?SIP Step-Up CalculatorAdds a fixed yearly increase to the monthly amount and simulates each year.
- Should I invest a lump sum or spread it as a SIP?Mutual Fund SIP vs Lumpsum CalculatorCompares the same total invested both ways over the same period.
- What did my investments with top-ups and withdrawals really earn per year?XIRR CalculatorAnnualised return that accounts for the date of every deposit and withdrawal.
- Is a project worth its upfront cost?Net Present Value CalculatorDiscounts future cash flows at your required rate and subtracts the cost.
All Investments Calculators
Absolute return, CAGR and XIRR are not interchangeable
Absolute return and ROI ignore how long the money was invested, so a 50% gain looks the same over two years or ten. CAGR spreads growth evenly across the years, which suits a single investment with one start and one end value. When money went in or out at different times, only XIRR gives a meaningful annual figure, because it weighs each amount by how long it was actually invested.
Projections use one constant rate
The SIP and lump-sum tools apply the rate you enter to every month. Market-linked returns vary from year to year, so running a cautious and an optimistic rate side by side shows the range more honestly than a single projection.
Limitations
- Returns are not guaranteed; results depend entirely on the rate you assume.
- Taxes, fund expense ratios and exit loads are not deducted.
Investments Guides
How Net Present Value Is Calculated
NPV discounts each future cash flow back to today's terms at a chosen rate, sums them, and subtracts the upfront cost — a positive result means the investment is expected to beat that chosen rate, not just break even.
Read guideHow Payback Period Recovers an Investment
Three real payback period runs — a renovation that recoups in 3.64 years, an investment that recovers exactly on a period boundary, and one that never recovers at all — show how the formula's linear interpolation and cutoff actually work.
Read guideHow SIP Returns Are Calculated (With a Worked Example)
A SIP's future value is calculated with the annuity-due formula FV = P × (((1+i)ⁿ − 1) / i) × (1+i), where P is your monthly investment, i is the monthly expected return, and n is the number of months — it is a projection based on an assumed return, not a guarantee.
Read guideHow a Step-Up SIP Works (And How Much More It Builds Than a Flat SIP)
A step-up SIP increases your monthly investment by a fixed percentage every year — matching rising income over time — and builds a meaningfully larger corpus than a flat SIP of the same starting amount, since a growing stream of contributions front-loads more money into the years that have the most time left to compound.
Read guideHow the Internal Rate of Return Is Calculated
IRR is the discount rate that makes an investment's net present value exactly zero — found not by solving directly, but by testing rates and narrowing in until the NPV lands on zero.
Read guide