Financial Calculators — Investment Calculators for India
Good financial decisions start with good numbers, and this is your one-stop hub for the calculators that Indian investors and savers reach for most. Whether you are working out how a monthly SIP will compound into a retirement corpus, comparing the EMI on a home loan, estimating the maturity value of a PPF or fixed deposit, or checking the CAGR your portfolio has delivered, you will find a purpose-built tool here — all free and requiring no sign-up. Each calculator uses Indian conventions: values are shown in rupees, deposit tools reflect current PPF and FD norms, and the tax calculator follows Indian income tax slabs. Beyond the basics, you can plan early retirement with the FIRE calculator, project your goals with the goal planner, work out the impact of inflation on your savings, and estimate trading costs with the brokerage and margin calculators. Pick a calculator below, adjust the inputs to match your situation, and see instant results with clear charts and year-by-year breakdowns to guide your planning.
CAGR Calculator — Growth Rate
Measure the true annualised growth of any investment using CAGR. Enter the starting value, ending value, and the time period to get a single percentage that captures how your money compounded over the years. CAGR is widely used to compare mutual funds, stocks, real estate, and other assets on an apples-to-apples basis. Unlike simple averages, it accounts for the effect of compounding, making it a far more reliable measure of long-term investment performance.
CAGR Calculator
Compound annual growth
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What exactly does CAGR tell you?
CAGR tells you the smooth, annualised rate at which an investment grew from its beginning value to its ending value over a specific period. It strips out the year-to-year volatility and gives you one clean number. For example, if you invested Rs 1 lakh and it became Rs 2 lakh in 5 years, the CAGR is about 14.87% — even though the actual returns in each year may have been wildly different.
How is CAGR different from average return?
Average return simply adds up each year's return and divides by the number of years, which can be misleading. If an investment goes up 50% one year and drops 50% the next, the average return is 0%, but you actually lost 25% of your money. CAGR accounts for compounding and gives you the true annualised growth rate based on starting and ending values.
Can CAGR be used to compare different investments?
Yes, CAGR is one of the best tools for comparing investments across different time periods and asset classes. Whether you are comparing a mutual fund's 5-year return to an FD's 5-year return, or checking how your stock portfolio performed against the Nifty 50, CAGR puts everything on an equal footing by normalising returns to a per-year basis.
Frequently Asked Questions
Which financial calculator should I use first?
It depends on your goal. If you are a salaried investor starting to build wealth, the SIP calculator shows how monthly mutual fund investments compound over time. Planning a home or car purchase? The EMI calculator breaks down your loan repayments. For tax-saving deposits, try the PPF and FD calculators, and for retirement, the FIRE and retirement planners help you estimate the corpus you will need.
Are these calculators accurate for the Indian market?
Yes. Every calculator on WealthOrbit is built with Indian conventions in mind — amounts are shown in rupees, the PPF calculator uses the current government-notified interest rate and 15-year lock-in, and the tax calculator reflects Indian income tax slabs. That said, the results are estimates for planning purposes; actual returns, interest rates and tax liabilities can change, so always confirm with your bank, fund house or a qualified advisor.
Do I need to pay or sign up to use these calculators?
No. All calculators on WealthOrbit are completely free to use and require no registration or login. You can run as many scenarios as you like, adjust the inputs, and see instant results with charts and breakdowns. Nothing you enter is stored against an account — the calculations happen right in your browser so you can plan your finances privately and without any cost.
What is the difference between the SIP, lumpsum and CAGR calculators?
The SIP calculator projects returns when you invest a fixed amount every month, while the lumpsum calculator handles a one-time investment growing over a period. The CAGR calculator works the other way — it tells you the compounded annual growth rate an investment actually delivered between two values. Use SIP and lumpsum to plan future investments, and CAGR to measure the past performance of a stock, fund or portfolio.