Advanced Investment Calculator

Calculate investment returns, future value, and growth projections for stocks, mutual funds, SIP, lumpsum investments, and retirement planning. Real-time professional financial analysis tool.

Investment Parameters

₹1,00,000
₹5,000/month
15 years
12% per year
6% per year

Investment Results

Total Investment ₹10,00,000
Est. Total Returns ₹24,17,623
Future Value ₹34,17,623
Annualized Return (CAGR) 12.0%
Real Returns (Adj. for Inflation) ₹18,45,321
Return on Investment (ROI) 241.76%
Investment Growth Visualization
Principal: 29% | Returns: 71%

Key Investment Metrics

CAGR ℹ️ Compound Annual Growth Rate - The mean annual growth rate of an investment over a specified period longer than one year

Compound Annual Growth Rate measures year-over-year growth, smoothing returns

XIRR ℹ️ Extended Internal Rate of Return for irregular cash flows, more accurate for SIP investments

Extended Internal Rate of Return for irregular cash flows

Real Returns

Returns adjusted for inflation, showing actual purchasing power gained

ROI

Return on Investment measures profitability relative to total investment

Advanced Investment Calculator: Complete Guide to Investment Returns Calculation

This professional investment calculator helps you compute future value, returns, and growth projections for various investment types. Whether you're planning retirement investments, SIP calculations, lumpsum investments, or stock portfolio analysis, this tool provides accurate, real-time calculations using standard financial formulas[citation:1].

How to Use the Investment Calculator

To calculate your investment growth:

Key Investment Metrics Explained

Future Value (FV): The estimated value of your investment at the end of the investment period, including compounded returns[citation:1].

Compound Annual Growth Rate (CAGR): The mean annual growth rate of an investment over a specified period, providing a smoothed annualized return figure[citation:7].

Return on Investment (ROI): Percentage return relative to your total investment amount, calculated as (Total Returns / Total Investment) × 100.

Real Returns: Inflation-adjusted returns showing actual purchasing power increase, calculated using the formula: Real Return = (1 + Nominal Return) / (1 + Inflation Rate) - 1.

Types of Investments You Can Calculate

Stocks & Equity: For individual stocks or equity portfolios with higher volatility and return potential[citation:9].

Mutual Funds: Professionally managed investment funds with diversified portfolios across asset classes.

Systematic Investment Plan (SIP): Regular fixed investments in mutual funds, benefiting from rupee cost averaging and compounding.

Lumpsum Investments: One-time investments where the entire amount is invested at once, suitable for bonus or inheritance investments.

Retirement Planning: Long-term investments for retirement corpus building with regular contributions and conservative growth assumptions.

Bonds & Fixed Income: Lower-risk investments with fixed interest payments and principal protection at maturity[citation:9].

Real Estate: Property investments considering appreciation rates, rental yields, and holding periods.

Investment Strategies & Best Practices

Start Early & Invest Regularly: The power of compounding works best with time. Starting investments early significantly impacts final corpus due to exponential growth.

Diversify Your Portfolio: Spread investments across asset classes (equity, debt, real estate) to manage risk and optimize returns.

Consider Inflation: Always calculate real returns (inflation-adjusted) to understand actual purchasing power growth. Historically, Indian inflation averages 5-6% annually.

Review & Rebalance: Periodically review your investment performance and rebalance your portfolio to maintain desired asset allocation.

Factors Affecting Investment Returns

Related Financial Calculators

Explore our complete suite of financial tools for comprehensive financial planning:

SIP Calculator Mutual Fund Calculator Lumpsum Calculator Retirement Planner CAGR Calculator XIRR Calculator ROI Calculator Portfolio Tracker Stock Return Calculator Compound Interest Calculator
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