Investment Intelligence

Lumpsum & CAGR Calculator — Project or Measure Your Returns

Project the future value of a one-time investment, or calculate the exact CAGR your existing investment earned, benchmarked against the Nifty 50.

Calculate My Returns
Project future value of a lumpsum at your expected annual return
Calculate CAGR (annualized return) from an initial and final investment value
Automatic benchmark comparison against Nifty 50's long-term CAGR
Year-by-year growth chart for lumpsum projections

How it's calculated

1
Choose your calculation
Project a lumpsum forward using an expected return, or calculate the CAGR of an investment you already made.
2
For projections, enter amount, rate, and years
We compound your investment annually at your expected return to show the future maturity value.
3
For CAGR, enter initial value, final value, and years
We reverse-calculate the annualized compounded growth rate your investment actually achieved.
4
Compare against the Nifty 50
See whether your CAGR beat or lagged the Nifty 50's long-term benchmark return.

Benchmarks we use

13.5%
Nifty 50 CAGR (20-year benchmark)
Used as the reference point to see if your investment's CAGR beat or lagged the broader market.
12-15%
Typical long-term equity return assumption
Commonly used range for projecting future value of equity-linked lumpsum investments in India.

Frequently Asked Questions

What is CAGR and how is it different from total return?
CAGR (Compound Annual Growth Rate) shows the annualized rate at which your investment grew, while total return is the overall percentage gain over the entire period regardless of time taken.
Is a lumpsum or SIP better?
Lumpsum investing can outperform SIP in a rising market, but SIP reduces timing risk through rupee-cost averaging. The right choice depends on your risk appetite and market outlook.
Are these projections guaranteed?
No. Projections use a constant assumed annual return, but actual market-linked returns fluctuate and are not guaranteed. Past performance does not guarantee future results.
Why compare against Nifty 50?
The Nifty 50 is a widely used benchmark for Indian equity market performance, giving you a reference point to judge whether your investment's return was strong, average, or weak.

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