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Lumpsum & CAGR Calculator

Project the future value of a one-time investment, or reverse-calculate the CAGR (Compound Annual Growth Rate) of any stock or fund from its starting and ending value — with inflation adjustment and benchmark comparisons.

🔀 Calculator Mode
💰 Initial Investment (PV)
₹
📈 Expected Annual Return
📅 Time Horizon

Shows what your future value is worth in today's purchasing power, assuming prices rise by this % every year.

FUTURE VALUE
₹0
Invested ₹0 + Wealth Gained ₹0
Initial Investment
₹0
Wealth Gained
₹0
Absolute Return
0%
Inflation-Adj. Value
₹0
Initial Investment (PV)₹0
Future Value (FV)₹0
Wealth Gained₹0
Absolute Return0%
CAGR (Annualized Return)0%
Inflation-Adjusted Value (Today's ₹)₹0

Principal vs Wealth Gained

How Your CAGR Compares to Common Benchmarks

📐 Live Formula With Your Numbers
📊 Year-by-Year Growth Schedule
YearOpening ValueInterest EarnedClosing ValueInflation-Adj. Value
💡 Why CAGR Matters More Than a Simple Percentage

A stock that grows from ₹1,00,000 to ₹2,00,00,000 over 5 years has an eye-catching 19,900% absolute return — but that single number doesn't tell you the annual pace of growth, which is what you actually need to compare it against a fixed deposit, another fund, or a different time horizon.

CAGR (Compound Annual Growth Rate) answers the question "what single, steady annual growth rate would have produced this same result?" — smoothing out the year-to-year ups and downs into one comparable number. That same example, expressed as CAGR, is about 188.5% per year — still extraordinary, but now directly comparable to a 12% Nifty 50 CAGR or a 7% Fixed Deposit rate.

Absolute return is useful for a quick headline, but CAGR is the number professionals use to compare investments of different durations fairly — always check the time period behind any "return %" you see quoted.

📤 Investment Summary

      

        
        
        
      

    

  












  
  












How to Use This Lumpsum & CAGR Calculator


    
  
  1. Pick a mode — "Lumpsum Growth" projects a future value; "CAGR Rate Finder" reverse-calculates an annualized return.
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  2. Enter your initial investment — use the input, slider, or quick-add chips.
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  3. In Lumpsum mode, choose a return rate — pick a preset (7% FD, 12% Nifty 50, 15% equity, 18% small-cap) or use the custom slider.
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  4. In CAGR mode, enter the final value — what your investment actually grew to.
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  5. Set the time horizon — from 1 to 40 years.
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  6. Toggle inflation adjustment — see what your value is really worth in today's purchasing power.
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  7. Check the Math Breakdown and Growth Schedule tabs — see the exact formula and a year-by-year table.
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  8. Export — copy a plain-text summary, download a CSV, or generate a PDF.
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Want the full walkthrough — the FV and CAGR formulas explained step by step, CAGR vs absolute return, inflation-adjusted purchasing power, and common investing FAQs? Read the complete Lumpsum & CAGR Explained guide on our blog.



This calculator provides estimates for general informational and educational purposes only and is not investment advice. Mutual fund and equity investments are subject to market risk; actual returns depend on market performance and can be higher or lower than any rate assumed here. Past performance is not indicative of future results. Please consult a SEBI-registered financial advisor before making investment decisions. Last updated: August 2026.