All-In-One Investment Return Calculator

All-in-One Return Calculator

All-in-One Return Calculator

Calculate your investment returns with multiple methods

Simple Interest Calculator

About Simple Interest

What it is: Simple interest is calculated only on the principal amount, without compounding.

How it works: Interest = Principal × Rate × Time

Where to use: Suitable for short-term loans, some fixed deposits, and when compounding doesn't apply.

Compound Interest Calculator

About Compound Interest

What it is: Interest calculated on the initial principal and also on the accumulated interest from previous periods.

How it works: A = P(1 + r/n)^(nt), where A is the final amount, P is principal, r is annual rate, n is compounding frequency, and t is time in years.

Where to use: Most investments like mutual funds, fixed deposits, and savings accounts where interest compounds over time.

CAGR Calculator

About CAGR (Compound Annual Growth Rate)

What it is: CAGR is the mean annual growth rate of an investment over a specified time period longer than one year.

How it works: CAGR = (Ending Value / Beginning Value)^(1/Years) - 1

Where to use: To evaluate and compare the performance of investments like mutual funds, stocks, or business revenues over multiple years.

XIRR Calculator

About XIRR (Extended Internal Rate of Return)

What it is: XIRR calculates the annualized return for a series of irregular cash flows occurring at irregular intervals.

How it works: It finds the discount rate that makes the net present value of all cash flows equal to zero.

Where to use: Ideal for calculating returns on SIPs (Systematic Investment Plans), multiple transactions in stocks, or any investment with irregular cash flows.

Rule of 72 Calculator

About Rule of 72

What it is: A simple formula to estimate the number of years required to double your investment at a given annual rate of return.

How it works: Years to double = 72 / Annual Interest Rate

Where to use: Quick mental calculation to estimate how long it will take for an investment to double in value at a fixed annual rate of return.

About the Author

Anindya Ray is an AMFI-registered Mutual Fund Distributor and an IRDAI-licensed Insurance Agent. With hands-on experience in helping people make informed financial decisions and spreading personal finance awareness, he is deeply committed to guiding Indian families through their financial journey with clarity, confidence, and purpose.

Driven by the belief that financial literacy is the foundation of financial freedom, Anindya works at the grassroots level to simplify complex topics like investing, insurance, and money habits for everyday individuals across all walks of life.

The SIP Sage is his personal initiative—a non-commercial financial awareness blog—dedicated to breaking down money matters into easy, relatable insights for the Indian middle class.

Note: No online services or products are offered or solicited through this platform. For offline, personalized financial guidance, Anindya may be contacted directly via WhatsApp or email.