Investment Calculators: SIP, Share Returns and CAGR
These investment calculators help plan and review equity investments in rupees: project a monthly stock SIP with step-ups and dividends, or work out the real return on shares already bought, including dividends, CAGR and capital-gains tax under current rules.
SIP or lump sum?
A SIP spreads purchases over time (rupee-cost averaging), which suits regular salaries and volatile shares. A lump sum puts all the money to work at once, which wins when prices rise steadily but hurts if the market falls soon after. The SIP and return calculators let both be modelled with the same growth assumption.
How returns are measured
- Absolute return: total gain ÷ amount invested; ignores how long it took.
- CAGR: the steady yearly rate; right for a single lump sum.
- XIRR: the yearly rate for many dated cash flows; right for a real SIP history.
Single-stock SIPs carry company-specific risk. Diversified funds spread that risk; a SEBI-registered adviser can help decide the mix.
Finance calculators: FAQ
What is the difference between CAGR and XIRR?
CAGR measures one investment over one period; XIRR handles many investments made on different dates, like a SIP.
How is tax on share gains calculated?
Held 12 months or less: 20% STCG. Held longer: 12.5% LTCG on gains above ₹1.25 lakh a year. Dividends are taxed at slab rates.
Do these calculators use live share prices?
No. Enter prices and expected growth yourself; check live prices on NSE, BSE or your broker.