Investment Calculators
Investment calculators show how money grows over time. Whether you invest a fixed amount every month or a single amount once, these tools turn your assumptions into a clear number — plus a year-by-year view of how you get there.
See what a monthly SIP could grow into over time.
Lump Sum CalculatorGrowth of a one-time investment at an expected annual return.
Compound Interest CalculatorCompound interest with yearly, quarterly or monthly compounding.
CAGR CalculatorCompound Annual Growth Rate between a start and end value.
ROI CalculatorReturn on investment in both absolute and annualised terms.
Investment Return CalculatorCombine a starting amount with regular contributions.
Step-Up SIP CalculatorSIP where you increase the monthly amount every year.
SIP vs Lump Sum CalculatorCompare investing monthly against investing all at once.
Which calculator do you need?
| If you are asking… | Use this |
|---|---|
| I invest a fixed amount every month | SIP Calculator |
| I have one amount to invest today | Lump Sum Calculator |
| I want to know what return I actually earned | CAGR Calculator |
| I can increase my investment every year | Step-Up SIP Calculator |
| I have savings now and can also add monthly | Investment Return Calculator |
How to read any projection on this page
Every investment calculator here asks you for an expected return, and that number is an assumption rather than a fact. A projection at 12% is not a forecast; it is an answer to the question "what if returns averaged 12%?" Real markets deliver an average through a sequence of good and bad years, and the order those years arrive in matters a great deal if you might need the money at short notice.
The habit worth building is to run every calculation three times — at a cautious rate, a middling one and an optimistic one. The spread between those answers is your realistic planning range. Anchoring on the highest number is the most common way people end up disappointed.
What these calculators leave out
Returns shown are before tax and before fund costs. If you want a more conservative figure, subtract the expense ratio from the return you enter. For the tax side, the Capital Gains Calculator and the Tax Impact Calculator pick up where these leave off, and the Inflation Calculator converts a future figure back into what it will actually buy.
Investment — common questions
What return rate should I assume?
Nobody knows future returns. As a habit, run the calculation twice: once with a cautious rate and once with an optimistic one. The honest answer usually sits between the two.
Do these calculators include tax?
No. They show returns before tax. Use the Tax Impact Calculator or Capital Gains Calculator to see the after-tax picture.