Lump Sum Returns Calculator

Formula Used

1) Upfront fee amount
Upfront Fee = Initial Investment × Upfront Fee Rate

2) Net invested amount
Net Invested = Initial Investment − Upfront Fee

3) Net periodic rate
Periodic Rate = (Annual Return − Expense Ratio) ÷ Compounding Frequency

4) Future value before tax
FV = Net Invested × (1 + Periodic Rate)^{Compounding Frequency × Years}

5) Gross gain
Gross Gain = Future Value Before Tax − Net Invested

6) Estimated tax on gains
Tax = Gross Gain × Tax Rate, only when gains are positive

7) Future value after tax
After-Tax Value = Future Value Before Tax − Estimated Tax

8) Inflation-adjusted value
Real Value = Future Value ÷ (1 + Inflation Rate)^Years

9) CAGR
CAGR = (Ending Value ÷ Starting Value)^{1 ÷ Years} − 1

How to Use This Calculator

1. Enter the one-time amount you plan to invest.
2. Add the annual return you expect from the investment.
3. Choose the total number of years you will stay invested.
4. Select how often the investment compounds each year.
5. Enter inflation, tax on gains, upfront fee, and expense ratio.
6. Choose your preferred currency symbol for display.
7. Click Calculate Returns to view results above the form.
8. Use the CSV or PDF buttons to export your report.