Investment Calculator
Calculate the future value of an investment with regular contributions.
What is Investment Calculator?
An investment calculator projects the growth of your investments — lump sum, SIP, or both — over time at an assumed return rate. It is a general-purpose tool for any investment goal.
It helps you compare scenarios, set expectations, and plan how much to invest to reach your target.
How does the Investment Calculator work?
The lump sum grows at the annual rate for the full tenure, while SIP contributions compound monthly.
The calculator shows the invested amount, estimated returns, and total value.
How to use the Investment Calculator?
- Enter your lump sum and/or monthly investment.
- Enter the expected annual return rate.
- Enter the investment tenure in years.
- The calculator shows the projected value and total gains.
Example
Try the calculator with your own numbers
- Enter your values in the input fields above.
- Adjust the values to match your situation.
- The result updates instantly as you change the inputs.
Benefits of using the Investment Calculator
- Plan investments for any goal.
- Compare lump sum vs SIP outcomes.
- Understand the impact of returns and tenure.
Who should use the Investment Calculator?
- Individuals planning loans, investments, or retirement savings.
- Salaried employees estimating taxes, EMIs, and take-home pay.
- Small business owners tracking costs, margins, and cash flow.
- Students learning personal finance and investment concepts.
Tips for getting the most out of the Investment Calculator
- Use realistic return rates — past performance does not guarantee future returns.
- Re-run the calculation whenever your income, expenses, or goals change.
- Compare a few scenarios (conservative, moderate, aggressive) before making a decision.
Frequently Asked Questions
What return rate should I use?
Use 6-8% for debt, 10-12% for equity, and a blended rate for mixed portfolios. Be conservative in planning.
Is the projected value guaranteed?
No. It is an estimate based on the assumed return rate. Actual returns depend on market performance.
Planning your finances is easier when you can see the numbers clearly. Use this calculator regularly to stay on top of your goals and make informed decisions.
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