About investment calculator
The investment calculator projects what a one-time amount and regular monthly contributions could grow into at an assumed return.
Assumed return is not guaranteed
Equity and mutual fund returns vary from year to year and can be negative. Fixed deposits and government schemes have more predictable rates. Use a realistic assumption.
Tips
- Start early and invest regularly.
- Increase contributions when your income rises.
- Compare the result after inflation.
A worked example
A lump sum of ₹1 lakh plus ₹5,000 a month for 15 years at an assumed 10 percent a year could grow to roughly ₹25.4 lakh, from ₹10 lakh invested. At 8 percent the result would be noticeably lower, which shows how much the assumed return matters.
Test different returns
Run the calculation with a cautious, a middle and an optimistic rate. Plan around the cautious figure, and treat anything above as a bonus.
