Investment Return Calculator
Project a SIP or lumpsum investment, or find the annualized return (CAGR) of an investment you already hold
Quick answer
Investment Return Calculator
P = lumpsum, SIP = monthly contribution, i = monthly return, n = months. The planner compounds your lumpsum and every monthly deposit; the CAGR mode reverses the maths to find the steady annual return that turns your starting value into your ending value.
Formula
FV = P(1+i)^n + SIP × [((1+i)^n − 1) / i] × (1+i) | CAGR = (Final / Initial)^(1/years) − 1
💼 Investment Plan
📊 Projection
📈 Growth Over Time
Year-by-year breakdown
| Year | Total Invested | Gain | Portfolio Value |
|---|---|---|---|
| 1 | ₹2,20,000 | ₹19,665 | ₹2,39,665 |
| 2 | ₹3,40,000 | ₹56,090 | ₹3,96,090 |
| 3 | ₹4,60,000 | ₹1,11,286 | ₹5,71,286 |
| 4 | ₹5,80,000 | ₹1,87,505 | ₹7,67,505 |
| 5 | ₹7,00,000 | ₹2,87,270 | ₹9,87,270 |
| 6 | ₹8,20,000 | ₹4,13,408 | ₹12,33,408 |
| 7 | ₹9,40,000 | ₹5,69,082 | ₹15,09,082 |
| 8 | ₹10,60,000 | ₹7,57,836 | ₹18,17,836 |
| 9 | ₹11,80,000 | ₹9,83,642 | ₹21,63,642 |
| 10 | ₹13,00,000 | ₹12,50,944 | ₹25,50,944 |
| 11 | ₹14,20,000 | ₹15,64,722 | ₹29,84,722 |
| 12 | ₹15,40,000 | ₹19,30,554 | ₹34,70,554 |
| 13 | ₹16,60,000 | ₹23,54,685 | ₹40,14,685 |
| 14 | ₹17,80,000 | ₹28,44,112 | ₹46,24,112 |
| 15 | ₹19,00,000 | ₹34,06,671 | ₹53,06,671 |
Worked example
Suppose you invest a ₹100,000 lumpsum and add ₹10,000 every month, expecting a 12% annual return for 15 years. The planner compounds the lumpsum on its own to roughly ₹547,000, while the monthly SIPs — each compounding from the month it is invested — add several million more. The total invested is ₹1.9M, but the projected value lands near ₹5.7M, meaning the majority of your final pot is growth you never deposited. Switch to the CAGR tab and you can check the reverse: an investment that grew from ₹100,000 to ₹250,000 over 5 years earned about 20.1% a year.
SIP vs lumpsum, and why the return assumption matters
A lumpsum puts all your money to work immediately, so it benefits most when markets rise steadily. A SIP (Systematic Investment Plan) spreads your buying across months, which smooths out volatility and removes the temptation to time the market — the trade-off is that money invested later compounds for less time. The single biggest lever in any projection is the expected return: small changes compound into large differences over decades, so it is worth running an optimistic, a base, and a conservative rate rather than trusting one number. Remember these are projections, not guarantees; real returns vary year to year.
Related calculators
Compare the same money in a one-time deposit with the compound interest calculator, plan when you can stop working with the retirement calculator, set a target with the savings goal calculator, measure simple project returns with the ROI calculator, or model a loan repayment with the loan / EMI calculator.
📈Formula
FV = P(1+i)^n + SIP × [((1+i)^n − 1) / i] × (1+i) | CAGR = (Final / Initial)^(1/years) − 1💡How it works
P = lumpsum, SIP = monthly contribution, i = monthly return, n = months. The planner compounds your lumpsum and every monthly deposit; the CAGR mode reverses the maths to find the steady annual return that turns your starting value into your ending value.
ℹ️ What is Investment Return Calculator?
An investment return calculator measures how much an investment has grown, expressed as absolute gain, percentage return, and annualized rate. It helps compare different investments, benchmark against market indices, and project future portfolio values.
📐 Formula
✏️ Worked Example
- 1Total gain = ($16,500 − $10,000) + $800 = $7,300
- 2Total return = $7,300 / $10,000 × 100 = 73%
- 3CAGR = (($16,500 + $800) / $10,000)^(1/5) − 1
- 4CAGR = (1.73)^(0.2) − 1 ≈ 1.1157 − 1 = 11.57%/year
💡 How to Interpret Results
- ▸Compare your CAGR to the benchmark (S&P 500 avg ~10%/year) to judge relative performance.
- ▸A 10% annual return doubles money in ~7.2 years (Rule of 72).
- ▸CAGR smooths out volatile year-to-year returns to show the "steady" equivalent growth rate.
- ▸Always account for fees, commissions, and taxes when calculating actual return.
- ▸Real return = nominal return − inflation (~3%). That 10% return is really ~7% in purchasing power.
❓ Frequently Asked Questions
Related tools for this workflow
Continue the calculation
📚 Related Articles & Tips
Compound Interest Explained: The 8th Wonder of the World
Discover how compound interest can work for or against you in investments, loans, and savings.
Cap Rate vs Cash-on-Cash Return
Cap rate and cash-on-cash return answer different questions. Learn how to use both on a rental property deal.
Solar Panel Payback Period Explained
Work through solar payback with net cost, bill offset, incentives, net metering assumptions, and 25-year ROI.
How to Calculate Loan EMI (Complete Beginner Guide)
Learn how to calculate monthly loan payments (EMI) with simple formulas, real examples, and practical tips for loans.
Investment Return FAQ
Get answers to common questions about investment return calculator
Embed This Calculator
Add this calculator to your website for free
<iframe src="https://calcitools.com/calculators/investment-return/embed" width="100%" height="600" frameborder="0" scrolling="auto" title="Investment Return Calculator"></iframe>Why Embed?
- ✓ Free to use on your website
- ✓ Always up-to-date with latest features
- ✓ Mobile responsive design
- ✓ No maintenance required
- ✓ Fast loading and secure