Investment Returns Calculator
Calculate SIP, lump-sum, CAGR, ROI, present/future value and IRR returns with interactive charts. Free browser-based tool by DataSuite.
Step-Up SIP Calculator
Projected Value
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Invested Amount
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Est. Returns
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Year-by-year growth
What is a Step-Up SIP?
A Step-Up (Top-Up) SIP increases your monthly investment at a fixed rate each year, keeping your investing in line with your growing income.
Regular vs Step-Up — 20 years @ 12%
Investor A puts in a flat ₹10,000/month: invests ₹24L, ends with ≈ ₹1 crore. Investor B starts at ₹10,000 but steps up 10% yearly: invests ₹68.7L, ends with ≈ ₹2.1 crores — more than double the wealth.
CAGR Calculator
Compound Annual Growth Rate
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What is CAGR?
CAGR is the single steady annual growth rate that would take your investment from its start value to its end value over the period — ideal for comparing investments with volatile year-to-year returns.
Example
₹1,00,000 grows to ₹2,50,000 in 5 volatile years. CAGR = 20.11% — as if it had grown a smooth 20.11% every single year.
Absolute Return Calculator
Absolute Return
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What is Absolute Return?
The simple total gain or loss as a percentage of what you put in, ignoring how long the money was invested — best for short holding periods.
ROI Calculator
Return on Investment
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What is ROI?
ROI compares net profit against the capital used — a measure of efficiency, not just size of profit.
Bigger profit ≠ better investment
A bakery costing ₹5L that profits ₹1L has ROI 20%. An online store costing ₹1L that profits ₹40k has ROI 40% — the smaller venture uses capital twice as efficiently.
Future Value Calculator
Future Value
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The time value of money
Money today is worth more than the same amount later, because it can earn returns in the meantime. This calculator converts between the two directions.
The lottery choice
₹1 crore today or ₹2 crores in 10 years? At an 8% discount rate, ₹2 crores in 10 years is worth only ≈ ₹92.6 lakhs today — take the ₹1 crore now.
IRR Calculator
First entry = initial investment as a negative number. Following entries = yearly cash inflows.
Internal Rate of Return
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What is IRR?
IRR is the annual rate at which the net present value of all your cash flows equals zero — the effective annual return of a project with uneven cash flows.
Property example
Buy at −₹50,00,000; rent ₹3,00,000/yr for 4 years; year 5 sell + rent = ₹68,00,000. IRR ≈ 8.3% — your true annualised return.
Which return metric should you use?
| Metric | Use case | Good for… |
|---|---|---|
| IRR | Uneven cash flows at regular intervals | Projects, property, startups |
| XIRR | Uneven cash flows at irregular dates | SIPs, staggered investments |
| CAGR | Known start & end values, steady growth assumed | Stocks, mutual funds (> 1 year) |
| Absolute Return | Simple gain/loss % over any period | Short-term views, fixed deposits |
| ROI | Profit vs one-time cost | Comparing one-off investments |