Investment & ROI Calculators
Plan SIPs, lump sum compounding, and investment ROI with annualised growth in one place.
Model yearly increments in savings. Set to 0 for fixed SIPs.
SIP growth snapshot
Future value
$5,011,375.64
Total invested
$2,868,736.43
Total gains
$2,142,639.21
74.69% over principal
Average yearly gain
$214,263.92
Year-by-year breakdown
| Year | Contributed | Balance | Gains |
|---|---|---|---|
| 1 | $180,000.00 | $190,237.55 | $10,237.55 |
| 2 | $378,000.00 | $423,625.73 | $45,625.73 |
| 3 | $595,800.00 | $707,539.50 | $111,739.50 |
| 4 | $835,380.00 | $1,050,479.39 | $215,099.39 |
| 5 | $1,098,918.00 | $1,462,233.26 | $363,315.26 |
| 6 | $1,388,809.80 | $1,954,060.51 | $565,250.71 |
| 7 | $1,707,690.78 | $2,538,901.71 | $831,210.93 |
| 8 | $2,058,459.86 | $3,231,617.15 | $1,173,157.30 |
| 9 | $2,444,305.84 | $4,049,258.17 | $1,604,952.33 |
| 10 | $2,868,736.43 | $5,011,375.64 | $2,142,639.21 |
Three finance planners in one dashboard
Switch between SIP, compound interest, and ROI tabs to cover the most common wealth scenarios. Each view accepts custom parameters, displays headline metrics in real time, and surfaces yearly tables so you can track how contributions and compounding stack up.
Combine the outputs with the EMI calculator to balance loan repayments against investment growth and stay cash-flow positive.
SIP planner playbook
- Set an ambitious but realistic return (10–14% for equity mutual funds in India, 6–8% for diversified portfolios elsewhere).
- Add an annual step-up to model promotions and keep pace with inflation.
- Track yearly balances to decide when to rebalance, switch funds, or draw partial withdrawals.
Using ROI & CAGR
ROI gives the headline profit across the full horizon, while CAGR flattens volatility into an apples-to-apples annual rate. If CAGR overshoots your target asset allocation, consider booking profits, rebalancing, or extending the horizon.
For property or business investments, feed in the total cash injected (initial + renovations) versus expected sale price to gauge whether it beats passive alternatives.
Example scenarios
A ₹15k SIP growing at 12% with a 10% annual step-up can reach ₹50 lakh in under 10 years—far quicker than a flat contribution plan. A $5,000 lump sum invested at 8% compounded monthly nearly doubles in 9 years. Plugging in the numbers helps you decide whether to prioritise debt reduction, retirement contributions, or near-term goals.
Share results with clients or teammates by copying the headline metrics or exporting the yearly table. Pair it with the GST/VAT calculator to estimate after-tax returns.