Summary: Calculate Investment Growth Free, in Your Browser
An investment calculator projects what money could be worth later if it earns a steady annual return. This one takes a lump sum, a monthly SIP (systematic investment plan), an expected return of 0% to 100% a year and a period of 1 to 100 years. It reports the final value, total invested, growth, total return (ROI), money multiple and a table with one row per year.
It runs in your browser and nothing is uploaded; open the Network tab in DevTools while you type and no request carries your numbers. The output assumes one constant rate, so treat it as a scenario, not a forecast. The compound interest calculator lets you choose yearly to daily compounding.
The formulas it uses
- Monthly rate: m = (1 + r)^(1/12) − 1, where r is the annual return as a decimal (12% is 0.12).
- Each month: value = (value + SIP) × (1 + m), starting from the lump sum.
- Total invested = lump sum + SIP × 12 × years. Returns = final value − total invested.
- ROI = returns ÷ total invested × 100. Money multiple = final value ÷ total invested.
- CAGR = (ending value ÷ starting value)^(1 ÷ years) − 1.
Because r is an annual rate, a lump sum grows by exactly r a year. Calculators that use r ÷ 12 per month reach about 12.68% a year at 12%, so they show higher figures.
Table of Use: Investment Calculator Examples
| Use case | What you enter | What you get |
|---|---|---|
| Default example: lump sum plus SIP | INR, lump sum ₹1,00,000, SIP ₹10,000, 12% a year, 10 years | Final value ₹25,50,944; invested ₹13,00,000; returns ₹12,50,944; ROI 96.2%; 1.96× |
| Monthly SIP only | USD, lump sum 0, SIP $500, 7%, 20 years | Final value $255,203; invested $120,000; returns $135,203; 2.13× |
| One-time lump sum only | USD, lump sum $10,000, SIP 0, 7%, 10 years | Final value $19,672; ROI 96.7%; 1.97× |
| Cost of starting later | USD, SIP $500, 10%, 40 years versus 30 years | $2,797,304 after 40 years; $1,039,646 after 30 |
| Saving with no growth (baseline) | INR, SIP ₹10,000, 0%, 5 years | Final value ₹6,00,000, equal to the amount invested |
| CAGR of a past investment | Start 10,000, end 25,000, 10 years held | CAGR 9.60% a year; total return 150.00% |
Features
- Lump sum, SIP or both, with at least one above zero and a period of one year or more.
- Six display currencies: INR, USD, GBP, AUD, NZD and CAD set the symbol and digit grouping. Amounts are formatted, not converted; for that use the currency converter.
- Breakdown: final value, total invested, returns, ROI, money multiple and a donut chart.
- Year-wise Growth table and a Download PDF built in your browser.
- CAGR of a past investment from a start value, an end value and years held.
- Input limits: returns up to 100%, whole-year periods up to 100, and 0% allowed.
How to Use the Investment Calculator
- Choose a Currency (Indian Rupee is the default).
- Enter the Initial (lump-sum) investment and the Monthly SIP; use 0 for either you do not need.
- Set the Expected return (% a year) and the Investment period (years).
- Read Final value, scroll Year-wise Growth and press Download PDF for a copy.
- For a past result, fill in Starting value, Ending value and Years held under CAGR of a past investment.
Who Can Use It
Salaried savers can test a monthly SIP against a goal, and anyone with a bonus or inheritance can see what a lump sum alone would do. Students can watch compounding year by year, and investors can turn a fund's start and end value into a CAGR, then express a gain with the percentage calculator.
Related questions have their own tools: the savings calculator for deposits, the retirement calculator for a retirement target, the simple interest calculator for non-compounding interest and the interest calculator for a single sum. The income tax calculator estimates tax on salary-type income; it does not cover capital gains. Weighing investing against debt? Compare the loan calculator, EMI calculator or mortgage calculator.
FAQs
How do I calculate SIP returns for a monthly investment?
Type the monthly amount into Monthly SIP, set the expected annual return and the years, and set Initial (lump-sum) investment to 0 (it starts at 1,00,000). Each instalment is invested at the start of its month and grows at the equivalent monthly rate. For example, 500 a month at 7% for 20 years grows to about 255,203, of which 120,000 is money you paid in.
Why does my SIP result differ from another SIP calculator?
Calculators make different assumptions. This one reads the expected return as an annual rate and invests each instalment at the start of the month. Many others divide the annual rate by 12, which compounds to about 12.68% a year at 12%, or invest at month end. Compare the assumptions before comparing the numbers.
What is the difference between ROI and CAGR?
ROI is the total gain as a percentage of the amount invested, ignoring time: 10,000 growing to 25,000 is a 150% ROI. CAGR is the steady yearly rate that gives the same result, (end ÷ start)^(1 ÷ years) − 1, which is 9.60% a year over 10 years. Use CAGR to compare investments held for different lengths of time.
Can I measure the return of my SIP with the CAGR box?
Not accurately. The CAGR box assumes one starting value held for the whole period, but SIP instalments are held for different lengths of time, so dividing the final value by the total invested understates the rate. Measuring a real SIP needs an XIRR-style calculation, which this tool does not do.
Is it safe to enter my investment amounts into this calculator?
Yes. The calculation runs in your browser and nothing is uploaded, and the calculator does not save your figures. To check, open the Network tab in your browser DevTools while you type: no request carries your numbers. The PDF is also built on your device when you click Download PDF.
What expected return should I enter, and does it include fees or inflation?
Returns are not guaranteed, so run several scenarios such as 6%, 8% and 10% and plan around the lower one. The calculator applies exactly the return you type and does not deduct fees, tax or inflation. Enter a net figure, or for a rough real return use (1 + return) ÷ (1 + inflation) − 1.