Check a holding
Find the yearly return on shares, gold or a fund you bought years ago.
Lump sum and mutual fund return calculator
Two ways to use it: project a one-time investment forward, or measure the yearly return you have earned so far.
Your files stay with you. Your files never leave your browser. This tool runs on your device: nothing is uploaded to our servers, so there is nothing for us to store or see.
How to use it
- Choose to find a future value or the CAGR.
- Enter the amount invested and the years.
- Enter the expected return, or the current value, and read the result.
Where it helps
Plan a lump sum
See what a bonus or maturity amount could grow to.
Compare options
Put an FD, gold and a fund on the same yearly-return basis.
Good to know
Stays in your browser
Numbers you type are worked out on your device and never sent to our servers.
An estimate, not a promise
Market returns change; tax and charges aren't deducted.
One investment only
For SIPs or several deposits, XIRR is the right measure.
Questions people ask
How do you calculate the return on a one-time investment, or its CAGR?
Choose what you want to find. To project forward, enter the amount, the expected yearly return and the years to see the future value. To measure what you've earned, enter the amount, the current value and the years to get the CAGR, the absolute return and how many times your money has multiplied.
- 2 modes Future value or CAGR. Plan or measure.
- 12% ₹1 lakh to ₹1.76 lakh. Over 5 years.
- Multiplier Money grows by. Shown as x times.
- Pre-tax Estimate. Charges not deducted.
What is CAGR?
Compound annual growth rate is the single yearly rate that would take your money from its starting value to its ending value, with growth compounding each year. ₹1,00,000 growing to ₹1,76,234 in five years is 12% CAGR. It lets you compare investments held for different lengths of time.
Is CAGR the same as XIRR?
No. CAGR suits a single investment made once and held. If you invested through a SIP, or made several deposits and withdrawals, XIRR is the right measure, because it accounts for each date and amount. Most fund statements and apps show XIRR for SIP investments.
Does the projection include tax and charges?
No. It's before capital gains tax, the fund's expense ratio and any exit load. Past returns don't guarantee future returns either. Use it to understand the maths, then subtract tax for your situation, or ask your adviser for an after-tax figure. Tax rules for gains also differ by fund type and holding period.
What is absolute return?
Absolute return is the total gain as a percentage of what you invested, ignoring time. ₹1 lakh growing to ₹1.5 lakh is a 50% absolute return, whether it took two years or ten. That's why CAGR is better for comparing, because it turns the gain into a yearly rate.
What does 'money multiplies' mean?
It shows the final value divided by the amount invested, such as 1.76x. It's an easy way to talk about growth: money that doubles is 2x. At about 12% a year, money roughly doubles every six years, a handy rule of thumb when planning long goals.
Can I calculate CAGR for less than a year?
You can enter periods down to 0.1 year, but CAGR over a few months can mislead, because a short swing gets stretched into a yearly rate. For holdings of under a year, the absolute return is usually the more honest number to look at. Fund factsheets follow the same rule for short periods.
Can I use it for shares, gold or property?
Yes. CAGR works for anything with a starting value and an ending value. Enter what you paid and what it's worth now, with the years in between. For property, include stamp duty and registration in the amount invested so the return isn't overstated. Add brokerage and making charges to the cost as well.
Can the return be negative?
Yes. If the current value is lower than what you invested, the CAGR comes out negative, showing the yearly rate of loss. For projections, you can enter returns from minus 50% up to 100% a year to test bad years as well as good ones.
How do I use it to plan a lump sum?
Choose 'Value after some years', enter the amount, the expected return and the years. Try a few rates to see a range. For example, ₹5 lakh for 10 years becomes about ₹15.5 lakh at 12% and about ₹10.8 lakh at 8%. Plan around the lower number.
What return should I expect from a mutual fund?
It depends on the type of fund and the period. Equity funds have historically been more volatile, with higher long-term returns than debt funds, but nothing is guaranteed. Check the fund's factsheet for long-term figures and use a slightly lower rate in your plan. Short periods can look very different from long ones.
How is CAGR different from average yearly return?
The simple average of yearly returns can mislead. A fund that gains 50% one year and loses 50% the next has an average of 0%, yet you've lost 25% of your money. CAGR uses the start and end values, so it reflects what actually happened to your money.
Is this financial advice?
No. It's a calculator that shows the maths for the numbers you enter. It doesn't know your goals or the investment's risks. Speak to a SEBI-registered adviser before deciding where to invest a large lump sum such as a bonus or retirement payout. Use the numbers here as a starting point for that conversation.
Is anything I enter stored?
No. The maths runs in your browser and the figures never reach our servers. There's no sign-up and nothing is saved after you close the page. You can check the returns on your holdings privately without linking any account or sharing statements. Close the tab and the numbers are gone.
Does it work on a phone?
Yes. Tap the mode you need, type the figures with the number keypad and the result appears immediately. It works in any mobile browser, so you can check the CAGR on a holding while you look at your investment app or statement. Nothing needs installing, and no account is needed either.
Is the lump sum return calculator free?
Yes, it's free with no sign-up and no limit. It's one of the free finance calculators from Marketiism, with the SIP, FD and compound interest tools. Marketiism builds business software and doesn't sell or recommend any investment product. Use it as often as you like to check your holdings and plans.
Want this inside your own account?
Marketiism keeps your invoice numbers, GST reports, UPI payment links and WhatsApp reminders in one place. Leave your details and we'll call to set it up for your business, or start the trial yourself.
More Converters and calculators
SIP Calculator
See what a monthly mutual fund SIP could grow to, with an optional yearly step-up.
Compound Interest Calculator
See how a principal grows with yearly, quarterly, monthly or daily compounding.
FD Calculator
Work out the maturity amount of a fixed deposit with quarterly, monthly or yearly compounding.
Unit Converter
Convert length, weight, area, volume, speed, data, time, pressure, energy and temperature.
Age Calculator
Find your exact age in years, months and days, and when your next birthday comes.
Percentage Calculator
Find X% of a number, what percent one number is of another, percentage change and more.