📈 Investment Calculators
SIP, lumpsum, SWP, CAGR and compounding — see how your money grows.
SIP CalculatorEstimate what a monthly SIP in mutual funds can grow into — with a year-by-year breakdown and chart.Step-up SIP CalculatorSee how raising your SIP a little every year — as your salary grows — changes your final corpus.Lumpsum CalculatorFind out what a one-time investment can grow to over time.SWP CalculatorPlan a regular monthly income from a mutual fund and see how long the corpus will last.Goal SIP CalculatorWork backwards from a goal to find the monthly SIP that gets you there — inflation included.CAGR CalculatorFind the steady yearly growth rate between a starting and ending value.Compound Interest CalculatorSee how interest-on-interest grows your money, with any compounding frequency.Simple Interest CalculatorCalculate simple interest (SI = P × R × T ÷ 100) and compare it with compound interest.
Quick answers
- SIP Calculator
- A SIP (Systematic Investment Plan) invests a fixed amount in a mutual fund every month. At a 12% annual return, ₹10,000 a month for 15 years grows to about ₹50.5 lakh — you invest ₹18 lakh and earn roughly ₹32.5 lakh in returns. The longer you stay invested, the more of your final value comes from compounding rather than your own money.
- Step-up SIP Calculator
- A step-up SIP raises your monthly investment by a fixed percentage every year. At 12% returns, ₹10,000 a month stepped up 10% a year for 20 years grows to about ₹1.98 crore, compared with about ₹99.9 lakh from a regular ₹10,000 SIP. That is nearly double, from raises you would barely notice in your budget.
- Lumpsum Calculator
- A lumpsum investment grows by compounding: FV = P × (1 + r)t. At 12% a year, ₹5 lakh becomes about ₹15.5 lakh in 10 years and ₹48.2 lakh in 20 years. At 12%, money roughly doubles every 6 years (Rule of 72: 72 ÷ 12 = 6).
- SWP Calculator
- An SWP (Systematic Withdrawal Plan) pays you a fixed amount from a mutual fund every month while the rest stays invested. With ₹50 lakh earning 8% a year, you can withdraw about ₹32,000 a month and keep your capital intact. Withdraw more than the returns and the corpus slowly runs down.
- Goal SIP Calculator
- To reach a goal, first inflate it to its future cost, then find the SIP whose future value matches. A goal worth ₹50 lakh today, 15 years away, costs about ₹1.2 crore at 6% inflation. At 12% returns that needs a monthly SIP of about ₹23,800.
- CAGR Calculator
- CAGR is the constant yearly rate at which an investment would grow from its starting value to its ending value. CAGR = (Final ÷ Initial)1/years − 1. If ₹1 lakh becomes ₹2.5 lakh in 5 years, the CAGR is 20.11%, even though the absolute return is 150%.
- Compound Interest Calculator
- Compound interest earns interest on both your principal and past interest. A = P × (1 + r/n)n×t. ₹1 lakh at 8% compounded quarterly becomes about ₹2.21 lakh in 10 years. The same deposit earns only ₹1.8 lakh with simple interest.
- Simple Interest Calculator
- Simple interest is calculated only on the original principal: SI = (P × R × T) ÷ 100. ₹1,00,000 at 8% for 5 years earns ₹40,000, so the total is ₹1,40,000. Compound interest on the same amount would earn ₹46,933.