IndCalc
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Calculate lumpsum mutual fund growth, plan a financial goal, compute CAGR from past investments, adjust for inflation, and compare equity vs debt returns. Supports INR and USD.
Lumpsum returns reveal what compounding actually does over a decade. Pair it with goal mode for retirement planning, CAGR mode for tracking past funds, and real-return mode for purchasing-power honesty.
See how your investment compounds over time.
Discover more powerful tools designed for speed, precision, and modern workflows.
Estimate monthly SIP growth and compare lumpsum vs recurring investing.
Convert mutual fund corpus targets between lakh, crore, million, and billion.
Plan tax-saving investments and in-hand salary across regimes.
Compare equity mutual fund returns vs PPF (7.1% EEE tax-free).
Compare lumpsum mutual fund vs Fixed Deposit for parking large amounts.
Project NPS Tier-1 returns alongside mutual fund corpus.
Measure CAGR-style percentage growth of any portfolio between two values.
Compare loan EMI to mutual fund returns when deciding to prepay.
See how any amount grows under different rate and inflation scenarios.
Plan property purchase costs alongside mutual fund returns.
For a lumpsum investment, the maturity value is computed using the compound-interest formula: Final Value = Principal × (1 + r)^n, where r is the annual rate and n is the number of years. This assumes returns are reinvested every year.
When cash flows happen at irregular dates (additional purchases, redemptions, dividends), CAGR alone is not enough. The standard real-world measure is XIRR (extended internal rate of return) which equates the net present value of all cash flows to zero. This calculator's CAGR mode handles a single buy-and-hold scenario directly.
Past mutual fund returns are not a guarantee of future performance. Long-term equity returns in India have historically averaged 10–14% pre-tax, while debt funds have delivered roughly 6–8%. Using realistic, conservative rates produces planning numbers that are less likely to disappoint.
Lumpsum investing means deploying a one-time corpus, which gives the full amount the maximum exposure to compounding from day one. It works well when markets are at fair valuations or when you have a windfall (bonus, sale of asset, inheritance) that you cannot easily split into many tranches.
SIP investing splits the investment into monthly tranches, which automatically averages your purchase price over time and removes the pressure to time the market. SIPs match well with salary income because contributions come out of each paycheck.
For most goals, a hybrid approach works best — invest a lumpsum to start the compounding clock and continue with SIPs to build the corpus over time. This calculator's lumpsum and SIP calculators can be used together to plan that kind of strategy.
A 12% nominal return in an environment of 6% inflation is really a 5.66% real return, because purchasing power grows by (1.12 / 1.06) − 1. Over 20 years, that gap compounds dramatically — what looks like a 10x corpus in nominal terms is closer to 3x in today's purchasing power.
Long-horizon planning (retirement, child education, real estate) should always use real returns. Otherwise, the corpus targets feel adequate but actually fall short by the time the goal arrives.
The real-return mode of this calculator does this adjustment automatically. Set a realistic inflation rate (5–7% for India, 2–3% for the USA) and the projection will show both nominal and inflation-adjusted values side by side.