What is your average buy price across every purchase?
quantity and price per share
₹
Average buy price
₹0
weighted by quantity
Total shares held
0
Total invested
₹0
Value at current price
₹0
Unrealised profit or loss
₹0
Break-even price
₹0
what you need to get back to level
See the full breakdown
Averaging down is not automatically a good idea
Buying more of a falling stock lowers your average price, which feels like progress. It also increases your exposure to a position that is already losing. The question is whether the business has changed, not whether the price has.
Your average price is not a target the market owes you
A stock has no memory of what you paid. Holding a loser purely to "get back to break-even" is the disposition effect, one of the best-documented and most expensive behavioural biases in investing.
Brokerage and taxes sit on top
This calculates the arithmetic average of your purchases. Brokerage, STT, stamp duty, GST and exchange charges raise your true cost, and short-term gains are taxed at 20% against 12.5% for long-term. Your real break-even is above the figure shown here.
Illustration only. The average shown is the simple quantity-weighted cost of your purchases and excludes brokerage, STT, stamp duty, GST and exchange transaction charges, all of which raise your true cost basis. Gains on listed equity held under twelve months are taxed at 20%, and at 12.5% beyond ₹1.25 lakh a year if held longer. Not investment advice, and nothing here is a recommendation to buy or average into any security.
What is CAGR and how is it different from average return?
CAGR (Compound Annual Growth Rate) is the single steady annual rate that would take your starting value to your ending value over the period, accounting for compounding. A simple average of yearly returns can be misleading -- a 50% gain followed by a 50% loss averages to 0%, but you'd actually be down 25%. CAGR reflects what actually happened to your money.Read more: Your Retirement Number Ignores the One Cost Growing Twice as Fast
Is SIP better than a lump sum investment?
Neither is universally better -- a SIP (spreading investment across regular installments) reduces the risk of investing everything right before a downturn and suits regular income, while a lump sum captures more time in the market if invested when prices are relatively low. For most people investing from salary, SIP is the practical default; a lump sum windfall is often still better invested promptly rather than staggered indefinitely.Read more: Your “Financial Advisor” Is Probably Just a Salesperson on Commission
How does compounding actually grow money over time?
Compounding means your returns start earning their own returns, not just your original investment. The effect is small in early years and accelerates sharply later -- which is why starting early matters more than almost any other single investing decision, even more than the exact return rate.Read more: SEBI’s SCORES Portal Promises a 21-Day Fix — Here’s What That Timeline Doesn’t Tell You
What's a realistic long-term return to assume for equity investments?
Long-term equity returns vary a great deal by market and period, and past performance never guarantees future results. Most long-term financial plans use a conservative, inflation-aware assumption rather than recent bull-market numbers -- this calculator lets you test your own assumption and see how sensitive the outcome is to it.Read more: Your Retirement Number Ignores the One Cost Growing Twice as Fast
Estimates only, not financial advice. See our Disclaimer.
