Investing · Portfolio Planning

Investment Portfolio Calculator

Most people hold money in five different places and have never seen it as one number. Add every SIP, lumpsum, EPF, NPS, PPF, FD, land, gold, stock, or crypto holding you have — each with its own amount, years, and expected return — and see the combined projected value, total gain, and a single blended CAGR for the whole portfolio.

Your Investments

Mid Cap Fund SIP

Type

Label

Mode

Monthly Amount (₹)

Years

Expected Return (% p.a.)

Small Cap Fund SIP

Type

Label

Mode

Monthly Amount (₹)

Years

Expected Return (% p.a.)

Your Portfolio Projection

Total Projected Value

₹1.07 Cr

vs ₹40.80 L invested — a gain of ₹66.13 L

Portfolio Snapshot

Total monthly SIP outlay₹30,000/mo

Total amount invested₹40.80 L

Total gain₹66.13 L

Weighted Average CAGR8.7%

* Weighted Average CAGR blends each investment's own (future value ÷ money invested)^(1/years) − 1, weighted by how much capital went into it — your investments span different years with no common end date, so this is a capital-weighted approximation, not one point-to-point calculation. SIP entries show a lower implied CAGR than their expected-return input on purpose: money goes in gradually rather than all on day one, so its blended growth rate is genuinely lower than the fund's point-to-point return — that gap is real, not an error.

Equity Mutual Funds

Mid Cap Fund SIP

₹10,000/mo for 10y

₹26.21 L

Invested: ₹12.00 L→Gain: ₹14.21 LImplied CAGR: 8.1% (input 14.0%)

Equity Mutual Funds

Small Cap Fund SIP

₹20,000/mo for 12y

₹80.72 L

Invested: ₹28.80 L→Gain: ₹51.92 LImplied CAGR: 9.0% (input 15.0%)

This is an educational planning estimate, not financial advice. Expected returns are illustrative starting points, not forecasts — actual returns vary by fund, timing, and market conditions, and past performance never guarantees future results. Crypto and direct stocks in particular have no defensible long-run expected return; treat those defaults as placeholders to replace with your own view. Figures ignore taxes, expense ratios, and exit loads.

How the Blended CAGR Is Calculated

Each investment gets its own implied CAGR — (future value ÷ money invested)^(1/years) − 1 — the same formula our CAGR Calculator uses, applied per holding. For a lumpsum this matches your expected-return input exactly. For a SIP it's always a bit lower, because your money goes in gradually over the years rather than all on day one — a real, expected gap, not a mistake.

Since your holdings can span different durations with no single common end date, the portfolio-level figure is a capital-weighted average of every investment's own CAGR — a ₹20 lakh FD moves the blended number more than a ₹500/month SIP, the same way it would move your actual net worth.