Investment Calculators
Plan SIPs, project lumpsum growth, find your true returns — every tool an Indian investor needs.
Whether you're starting your first SIP, comparing mutual fund returns, planning for a 10-year goal, or working out a sustainable retirement withdrawal, these calculators give you exact, formula-driven answers. Every input runs in your browser — no data leaves your device.
For most beginners, the right starting point is the SIP Calculatorand Goal Planning together: pick a future amount, see what monthly SIP gets you there, and adjust until it fits your budget. Already investing? Use XIRR for the true annualized return on your actual portfolio cashflows.
Calculators in this category
Future value of monthly mutual-fund SIPs at any return rate.
Open →SIP that increases by a fixed % every year.
Open →Future value of a one-time investment.
Open →How long your corpus lasts with monthly withdrawals.
Open →Annualized return for a single buy and sell.
Open →Multi-frequency compounding (monthly, quarterly, annual).
Open →Buy date to sell date returns with benchmark comparison.
Open →Weighted average price across multiple stock purchases.
Open →True annualized return for irregular cashflows like SIPs.
Open →Required monthly SIP to reach any future target.
Open →Real return after inflation, with risk classification.
Open →Which calculator should you use?
- Starting a SIP? SIP Calculator → Goal Planning if you have a target amount.
- Investing a bonus or windfall? Lumpsum Calculator.
- Already retired or need monthly income? SWP Calculator.
- Tracking real fund performance? XIRR (irregular flows) or CAGR (single buy/sell).
- Comparing funds? Mutual Fund Returns with benchmark comparison.
- Worried about inflation? Risk vs Return shows real (post-inflation) gains.
SIP vs lumpsum — and why XIRR matters
A SIP averages your purchase price across months — useful in volatile markets but slower in a clear bull run. A lumpsum captures all the upside if invested at the right time. For most investors, a mix wins: lumpsum the core, SIP the monthly surplus.
When you have multiple buy dates (a SIP plus top-ups), absolute return and CAGR break down. XIRR is the only correct measure. A SIP of ₹10,000/month for 5 years that grows to ₹8L might show 33% absolute return, but the XIRR is closer to 12% — because each ₹10,000 was invested for a different length of time. Use the XIRR calculator to see your true performance.