Calculate returns for SIP, lumpsum investments, retirement planning, goal-based investing with detailed analysis and charts
SIP is a method of investing a fixed amount regularly in mutual funds. It helps in averaging the purchase cost and benefits from the power of compounding. With SIP, you can start with as low as ₹500 per month and build wealth over time.
Absolute returns show the total percentage gain over the entire investment period. CAGR (Compound Annual Growth Rate) shows the year-over-year growth rate of an investment, assuming profits are reinvested. CAGR is a better measure for comparing different investments.
XIRR (Extended Internal Rate of Return) is used to calculate returns when there are multiple cash flows at different intervals. It's especially useful for SIP investments where regular contributions are made. XIRR gives you the annualized return considering the timing of each investment.
As a rule of thumb, you should aim to save 10-15% of your income for retirement. Use the retirement calculator to determine your specific needs based on current expenses, expected inflation, retirement age, and life expectancy.
SIP is better for most investors because it averages out market volatility (rupee cost averaging) and instills financial discipline. Lumpsum can give higher returns if invested at market lows. Use the comparison calculator to see which works better for your situation.
Investment calculators are essential tools for financial planning. They help you estimate returns, plan for goals, and make informed investment decisions. This comprehensive guide covers everything you need to know about investment calculations.
SIP Calculator: Calculates returns from systematic investment plans. Shows how regular investments can grow over time with compounding. Ideal for mutual fund SIPs, recurring deposits, and regular savings plans.
Lumpsum Calculator: Calculates returns from one-time investments. Useful for calculating returns from fixed deposits, one-time mutual fund investments, or stock investments.
Retirement Calculator: Helps determine how much you need to save for retirement based on current age, expected retirement age, life expectancy, inflation, and expected returns.
Goal Planning Calculator: Helps you calculate how much to invest regularly to achieve specific financial goals like buying a house, child's education, or world tour.
1. Be Realistic with Returns: Use conservative return estimates (10-12% for equity, 6-8% for debt)
2. Account for Inflation: Remember that ₹1 crore today won't have the same value in 20 years
3. Consider Tax Implications: Account for capital gains tax in your calculations
4. Review Periodically: Recalculate annually and adjust your investments as needed
5. Use Multiple Scenarios: Calculate best-case, worst-case, and realistic scenarios
Power of Compounding: The earlier you start investing, the more you benefit from compounding. A ₹10,000 monthly SIP at 12% for 30 years grows to ₹3.5 crore, while the same for 20 years grows to only ₹99 lakh.
Rupee Cost Averaging: SIP automatically buys more units when prices are low and fewer when prices are high, averaging your purchase cost over time.
Goal-Based Investing: Calculate exactly how much you need to invest monthly to achieve specific financial goals within your desired timeframe.
Retirement Corpus Planning: Determine how much you need to save monthly to maintain your lifestyle after retirement, accounting for inflation and healthcare costs.
Use our advanced investment calculators to plan your financial future with confidence. Whether you're saving for retirement, a child's education, or wealth creation, these tools provide the clarity needed to make informed investment decisions.