Investment Calculator
Project your investment growth with regular contributions, expected returns, management fees, inflation adjustment, and capital gains tax. See how your portfolio grows year by year.
Investment Growth Projector
📊 Investment Projection
💡 Summary
📋 Year-by-Year Breakdown
| Year | Start Balance | Contributions | Returns | Fees | End Balance | Real Value |
|---|
How Investment Growth Works
Investment growth relies on compound returns — your earnings generate their own earnings. This creates exponential growth over time, making time in the market the most powerful factor.
- Initial investment: Your starting capital. Even small amounts compound dramatically over decades.
- Regular contributions: Rupee-cost averaging smooths market volatility and builds wealth consistently.
- Expected return: Based on asset allocation. 100% stocks historically return ~10%, but with higher volatility. A 60/40 stock/bond mix returns ~7-8%.
- Fees matter enormously: A 1% annual fee vs 0.1% can cost hundreds of thousands over 30 years. Low-cost index funds are widely recommended.
- Inflation erodes value: A large nominal corpus decades later can have much lower purchasing power in today’s terms.
- Tax efficiency: Tax treatment varies by instrument and holding period, which can materially change after-tax outcomes.
Investment Growth Formula
After-tax value: FV − (FV − Total Invested) × Tax Rate
Real (inflation-adjusted) value: FV ÷ (1 + inflation)t
Investment Calculator FAQ
What return rate should I use?
+Use a conservative assumption based on your asset mix and time horizon. Equity-heavy portfolios can deliver higher long-term returns but with deeper drawdowns, while debt-heavy portfolios are steadier. For planning, many investors test multiple scenarios (e.g., conservative, base, optimistic) rather than a single number.
How much should I invest per month?
+A common guideline is to invest 15-20% of gross income for long-term goals. Start with what is affordable and increase contributions over time. Even modest monthly investing can compound meaningfully over decades if maintained consistently.
How do fees impact my investment?
+Fees compound just like returns, but in reverse. Over long periods, even a small fee difference can reduce final corpus significantly. Prefer cost-efficient products when they fit your allocation and risk profile.
Should I use nominal or real returns?
+This calculator shows both. Nominal returns show the rupee amount you may see in statements, while real returns show purchasing power after inflation. For lifestyle planning in today’s money, real returns are usually more meaningful.
What about market volatility?
+This calculator assumes a steady annual return (average). In reality, markets fluctuate — stocks can drop 30%+ in a year. However, over long periods (10+ years), returns tend to average out. Dollar-cost averaging (regular contributions) helps you buy more shares when prices are low, reducing the impact of volatility.