Investment Calculator

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

Your Investment

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yrs
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Future Value

Total Invested
Growth / Earnings
Value in Today's Money
Invested vs Value by Year
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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.
FV: Future value of investments
SIP: Monthly systematic investing
Inflation: Real value after inflation
CAGR: True annualized growth

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

  1. Enter your initial lump sum investment.
  2. Add the monthly SIP contribution.
  3. Set the expected annual return and time horizon.
  4. Enter the inflation rate for real-value results.
  5. 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.

Frequently asked questions

What is a good expected return for SIP?
Historically, Indian equity mutual funds have returned 11–14% over 10+ years. Use 12% for optimistic planning and 10% for conservative planning.
Are investment returns guaranteed?
Equity investments carry market risk and returns are not guaranteed. Only debt instruments like FD/PPF offer guaranteed returns, at lower rates.