Project the future value of any investment with both an initial lumpsum and ongoing monthly contributions. This is the most flexible growth calculator - combine a one-time deposit with regular SIPs and see how your money grows year by year at any expected return.
One-time investment today (optional)
SIP or recurring investment (optional)
Equity 10–13%, debt 6–8% historically
Future value
₹55,95,382
Total invested
₹19,00,000
Total gains
₹36,95,382
Power of compounding
Invested vs. Gains
Returns are illustrative and assume a constant annual rate. Actual equity and mutual-fund returns vary year to year. Past performance does not guarantee future results. LTCG / STCG tax may apply on redemption.
لا يزال بعض المحتوى معروضًا بالإنجليزية.
The investment calculator answers the most-asked question in personal finance: 'If I invest X today and Y per month, what will it be worth in N years?' It's a deceptively simple formula but the implications are huge - that single number defines whether you'll comfortably fund retirement, your child's education, a home down payment, or any other life goal. The calculator combines a one-time lump-sum and ongoing monthly contributions in a single view because that's how nearly every real-world investor actually deploys money: an annual bonus or windfall as the lump-sum, plus a steady monthly SIP from salary.
Indian equity markets have delivered roughly 12-13% nominal CAGR over the last 20 years (Nifty 50 Total Return Index), with diversified flexi-cap mutual funds slightly above and large-cap index funds tracking the index after fees. Debt funds have averaged 6-8%, gold around 9-10%, and real estate 7-9% (with high illiquidity). The expected-return assumption you plug into this calculator should reflect the asset class you're modelling - not a hopeful 18% based on the last great year.
Enter your initial lumpsum amount (set to 0 if you are starting from scratch).
Enter the monthly contribution you plan to add (set to 0 for pure lumpsum).
Set the expected annual return (%) - equity historically averages 11–13% in India over long periods.
Pick the investment horizon in years.
Read the final value, total invested and gains. Open the schedule for the year-wise growth path.
Each month the calculator grows your existing balance by the monthly rate (annual rate ÷ 12) and then adds your fresh contribution. This is the same compounding mechanic that mutual funds, index funds and ULIPs use. The longer you stay invested, the more dramatic compounding becomes.
Bal_m = Bal_(m−1) × (1 + r) + monthly ; FV = Bal at end of horizon
The math combines two textbook formulas. The lump-sum component grows as P × (1+r)^n where P is the starting amount, r is the monthly return, and n is months. The monthly contribution component grows as M × [((1+r)^n − 1)/r] × (1+r), the future-value-of-annuity-due formula. The total is the sum. For long horizons (20+ years), the lump-sum contribution to the final corpus is often disproportionately large because the starting amount has the most time to compound - which is why even a small windfall invested early matters so much.
Use net-of-expense returns. Direct mutual funds charge 0.05-1.5% annually; regular plans charge 1.5-2.5%. The 1-1.5% expense ratio difference compounds dramatically over decades - over a 25-year horizon, a regular plan's higher fees can eat 25-30% of your final corpus. Always set your expected return as the post-expense number, not the gross category average.
The output is nominal future value, not real (inflation-adjusted). To get today's purchasing power equivalent, divide by (1 + inflation)^n. A ₹1 crore corpus in 25 years buys what about ₹23 lakh buys today at 6% inflation. For retirement planning, always model both nominal (so you know the rupee figure that'll appear on your statement) and real (so you know what it'll actually buy).
Lump-sum: 3,00,000 × 1.12^25 ≈ ₹51 lakh. SIP component: ₹20,000 × FV formula ≈ ₹3.79 crore. Combined ≈ ₹4.3 crore. Total invested: ₹3 lakh + ₹60 lakh = ₹63 lakh. Gains: ₹3.67 crore - over 5× the contributions. This is the textbook outcome of a disciplined long-horizon investor with moderate equity exposure.
Future value: 5,00,000 × 1.12^20 ≈ ₹48.23 lakh. The same ₹5 lakh deployed as a 20-year SIP (so ₹2,083/month) would only produce roughly ₹20.8 lakh. Lump-sum invested early dramatically outperforms the same money trickled in monthly - because every rupee gets the maximum compounding tenure.
It mirrors how most people actually invest - a salary bonus or savings parked as lumpsum, plus a steady monthly SIP. Modeling both gives a realistic projection.
Use a conservative number - 6–7% for debt instruments, 10–12% for equity mutual funds over long horizons. Treat any single number as a planning estimate, not a promise.
No. Equity, mutual funds and most growth investments carry market risk. The calculator assumes a constant annual return for simplicity. Real returns vary year to year.
If you want today's purchasing power, use the real return - expected return minus expected inflation (e.g. 12% − 6% = 6% real). Then the future value reads in today's rupees.
SIP assumes only monthly contributions. Compound Interest assumes only a lumpsum. This calculator handles both together, which is closer to real life.
No. Capital gains tax (LTCG / STCG) applies to mutual funds and stocks based on holding period. Compute that separately on the gains.
Indian financial products - home loans, fixed deposits, mutual funds, NPS, insurance - each carry their own quirks: monthly reducing balance vs flat-rate interest, quarterly vs monthly compounding, indexation on capital gains, the choice between the old and new tax regime. We design every finance calculator to use the formula that an Indian bank, AMC, or insurer would actually use, and to surface the assumptions in plain English so you can audit the result against your own statement.
Use this calculator alongside the EMI, SIP and inflation calculators to plan your money holistically. A standalone EMI number means little until you compare it with your in-hand salary, your existing debt-to-income ratio, and the impact of inflation on the real cost of the loan. The related-tool grid below makes it one click to chain these analyses together.
The Investment Calculator is part of the Finance suite on Online Calculator Tools, alongside 6 related calculators. All tools share the same UI patterns, the same privacy-first rendering (nothing is sent to a server), and the same commitment to showing the formula and assumptions behind every result.
