Free calculator

Lumpsum & CAGR calculator

What a one-time investment can grow to, what that is worth after inflation — and the true yearly return (CAGR) between any two values.

Lumpsum

Amount invested

Time

Expected return

Inflation

CAGR between two values

Starting value

Ending value

Years between

Your investment could grow to—

Growth—

Multiple of your money—

Value in today's rupees—

Money doubles roughly every—

CAGR—

Absolute return—

Educational tool with simplified assumptions. Returns are not guaranteed; actual results will differ. This is not investment, tax or legal advice.

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How it works

The maths, in plain English.

Lumpsum. Future value = amount × (1 + return)^years. The same formula, run backwards with inflation, gives the value in today's rupees.

CAGR. The steady yearly rate that would take the starting value to the ending value: (end ÷ start)^1/years − 1. It lets you compare investments held for different lengths of time.

Rule of 72. Divide 72 by the yearly return to estimate how many years money takes to double.

Questions

FAQ

What is CAGR and why does it matter?

CAGR is the compound annual growth rate — the constant yearly return that links a starting value to an ending value. A 150% gain over ten years sounds large but is a CAGR of about 9.6% a year.

Lumpsum or SIP — which is better?

If you have the money today, investing it earlier has historically won more often, because it is in the market longer. A SIP suits money you earn monthly and reduces regret from bad timing. Many people do both.

Is absolute return the same as CAGR?

No. Absolute return ignores time. 50% in two years (22.5% CAGR) is far better than 50% in six years (7% CAGR).

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Lumpsum & CAGR calculator

Lumpsum

CAGR between two values

The maths, in plain English.

FAQ

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