Portfolio CAGR Calculator & Future Value Estimator
Calculate CAGR for lumpsum + monthly SIP and estimate inflation-adjusted wealth in seconds.
Why is Your 12% CAGR Prediction Reliable?
Users often ask: "Is 12% a realistic assumption?" The history is telling, and the market generally cycles like this every 20-30 years. Our original chart, based on actual Sensex Total Return Index and CPI Inflation data, shows the beautiful (and occasionally brutal) truth.
🚫 The Stagnant Periods: Notice how the market struggled after 2000 and 2008. These are the "Struggle Points" where investors get tested.
✅ The Compounding Surge: Every crash was followed by a more powerful recovery. Historical 14-16% CAGR (including dividends) is the long-term reality for a diversified Indian portfolio over 30 years.
Use this chart to set realistic expectations. Past performance doesn't guarantee the future, but it provides the most accurate baseline for your Future Wealth Prediction below.
© 1995-2025 normalized authority data (Sensex TRI & Indian CPI). Click to enlarge
FAQ: Portfolio CAGR, SIP Returns & Inflation
What is CAGR in portfolio investing?
CAGR (Compound Annual Growth Rate) is the average annual growth rate of your investment over a period, assuming gains are reinvested.
Can I calculate returns with both lumpsum and SIP?
Yes. This calculator combines your initial investment and monthly SIP to estimate total future value, invested amount, and overall gains.
Why is inflation-adjusted value important?
Inflation reduces purchasing power over time. The inflation-adjusted output helps you estimate the real value of your future corpus.