What is a good investment return to assume?

For planning purposes, fixed deposits offer around 5-7%, balanced funds 8-10%, and diversified equity funds 10-14% over the long term. Use conservative numbers and remember returns are not guaranteed.

Why does inflation matter for investing?

Inflation reduces purchasing power, so a crore today is worth less in 20 years. The inflation-adjusted value in this calculator shows what your future money can really buy in today's terms.

Investment Calculator

See the future value of your money and its real purchasing power.

Your Investment

Initial Investment ($)

Monthly Contribution ($)

Expected Annual Return (%)

Investment Period (years)

yrs

Expected Inflation (%)

Compounding

Future Value

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Total Invested

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Growth / Earnings

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Value in Today's Money

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Invested vs Value by Year

Nominal vs real returns

The future value is what your account will show years from now. The value in today's money removes inflation, so you see the real purchasing power of your investment. If your return is close to inflation, your money is barely growing in real terms.

Investment Calculator FAQ

How much should I invest monthly?▶

A common guideline is 15–20% of your income for retirement, and a separate amount for short-term goals. Adjust based on your goals and how much you can comfortably save.

What is the rule of 72?▶

Divide 72 by your annual return to estimate how many years it takes to double your money. At 9% return, money doubles roughly every 8 years.