Investment Calculator
See the future value of your money and its real purchasing power.
Your Investment
Future Value
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
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Investment Calculator — project your wealth with a SIP or lump sum
See how a one-time lump sum plus monthly SIP investments grow over time at your expected return — and what that future value is really worth after inflation. Ideal for mutual funds, PPF, EPF and stock portfolios.
SIP: the disciplined investor's tool
SIP (Systematic Investment Plan) invests a fixed amount monthly, averaging the purchase price through market ups and downs (dollar-cost averaging).
A $10,000/month SIP at 12% for 15 years grows to about $500,000 — six times more than the $180,000 invested.
Even small delays matter: starting 3 years late on the same plan costs roughly $120,000 of terminal value.
Nominal vs real returns
Nominal return is the headline return; real return subtracts inflation to show true purchasing-power growth.
At 12% nominal with 6% inflation, the real return is about 5.7% — your money grows 5.7% in actual buying power.
This calculator shows both, so you can plan a retirement or a goal in today's dollars.
How to use this calculator
- Enter your initial lump sum investment.
- Add the monthly SIP contribution.
- Set the expected annual return and time horizon.
- Enter the inflation rate for real-value results.
- Read the future value, total invested, growth and real value.
Pro tips
- Use 10–12% for equity-dominant funds, 6–7% for balanced, 5–6% for debt funds.
- Increase SIPs by 10% each year to match income growth.
- Never stop a SIP during a market crash — that's when compounding does the heavy lifting.