Estimate what an investment with regular, increasing contributions could be worth.
₹1,00,000 invested plus ₹10,000 a month (rising 5% a year) at 12% for 15 years could grow to ₹66,80,253.30, with ₹39,90,825.67 from returns.
The Investment Calculator projects the value of an investment made up of a starting amount and regular monthly contributions. You can increase the contribution each year (a step-up), set the compounding frequency, subtract tax and adjust for inflation, or solve for the monthly amount needed to reach a goal.
Returns are not guaranteed: markets rise and fall, so test conservative as well as optimistic rates using the table on this page. Higher returns usually mean higher risk. For SIPs specifically see the Mutual Fund Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Starting amount | ₹1,00,000.00 |
| Total deposits | ₹25,89,427.63 |
| Interest earned | ₹39,90,825.67 |
| End balance | ₹66,80,253.30 |
| Interest as a share of end balance | 59.7% |
| Years | 9% p.a. | 12% p.a. | 15% p.a. |
|---|---|---|---|
| 5 years | ₹9,72,849.36 | ₹10,54,371.07 | ₹11,42,340.38 |
| 10 years | ₹25,42,107.29 | ₹29,78,912.02 | ₹34,98,896.68 |
| 15 years | ₹52,45,390.63 | ₹66,80,253.30 | ₹85,70,654.19 |
| 20 years | ₹97,73,298.75 | ₹1,35,98,472.39 | ₹1,91,95,343.80 |
| 25 years | ₹1,72,10,447.80 | ₹2,62,95,113.34 | ₹4,11,05,988.88 |
Grow the starting amount and each contribution at the expected rate, month by month, and add them up. The calculator does this and shows each year.
Increasing your contribution by a set percentage each year, for example in line with salary growth.
Use a cautious long-term estimate. Historical returns vary widely by asset class and are no guarantee for the future.
It reduces what money can buy. Enter inflation to see the end value in today's purchasing power.
The tax box reduces the yearly return by a flat percentage, which is a simplification of real tax rules.
Enter a goal and the calculator solves for the required monthly contribution.
It uses the standard formula: balance = P × (1 + r/n)^(n·t) + deposits compounded The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
