Investment Calculator
Combine a starting amount with regular monthly contributions to see what an investment could be worth. It shows how much you put in and how much is expected growth.
Results
Estimated value
₹46,24,635
- Amount invested
- ₹19,00,000
- Estimated gains
- ₹27,24,635
Starting with ₹1,00,000.00 and adding ₹10,000.00 a month for 15 years at 10% a year could grow to about ₹46,24,634.61.
Invested amount vs gains
- Invested amount₹19,00,000 (41.1%)
- Estimated gains₹27,24,635 (58.9%)
Growth over time
- Invested amount
- Estimated gains
Growth by year (15 rows)
| Period | Invested | Gains | Value |
|---|---|---|---|
| Year 1 | ₹2,20,000 | ₹17,174 | ₹2,37,174 |
| Year 2 | ₹3,40,000 | ₹48,712 | ₹3,88,712 |
| Year 3 | ₹4,60,000 | ₹96,118 | ₹5,56,118 |
| Year 4 | ₹5,80,000 | ₹1,61,054 | ₹7,41,054 |
| Year 5 | ₹7,00,000 | ₹2,45,355 | ₹9,45,355 |
| Year 6 | ₹8,20,000 | ₹3,51,049 | ₹11,71,049 |
| Year 7 | ₹9,40,000 | ₹4,80,375 | ₹14,20,375 |
| Year 8 | ₹10,60,000 | ₹6,35,810 | ₹16,95,810 |
| Year 9 | ₹11,80,000 | ₹8,20,086 | ₹20,00,086 |
| Year 10 | ₹13,00,000 | ₹10,36,224 | ₹23,36,224 |
| Year 11 | ₹14,20,000 | ₹12,87,560 | ₹27,07,560 |
| Year 12 | ₹15,40,000 | ₹15,77,780 | ₹31,17,780 |
| Year 13 | ₹16,60,000 | ₹19,10,955 | ₹35,70,955 |
| Year 14 | ₹17,80,000 | ₹22,91,584 | ₹40,71,584 |
| Year 15 | ₹19,00,000 | ₹27,24,635 | ₹46,24,635 |
Show the calculation steps
- Monthly rate i = 10% ÷ 12 = 0.83333%; months n = 180.
- Growth of the lump sum = ₹1,00,000.00 × (1 + i)^n = ₹4,45,391.96.
- Growth of the monthly contributions (paid at the start of each month) = P × ((1 + i)^n − 1) ÷ i × (1 + i) = ₹41,79,242.66.
- Total = ₹46,24,634.61; amount invested = ₹19,00,000.00; gains = ₹27,24,634.61.
- Returns are not guaranteed. Taxes and fees are not included.
How the projection works
The starting amount compounds for the whole period, and each monthly contribution compounds from the month it is added. Because early money has longer to grow, starting sooner matters more than contributing a bit more later.
Choosing a return
Use a return you consider realistic after fees, and test lower and higher values. Equity returns vary greatly from year to year, and past performance does not guarantee future results.
Formula
Value = Initial × (1 + i)^n + Monthly × ((1 + i)^n − 1) ÷ i × (1 + i)
i = annual return ÷ 12 ÷ 100
Where:
- i
- = Monthly rate of return
- n
- = Number of months
- Initial
- = Starting amount
- Monthly
- = Amount added each month
Example calculation
₹1,00,000 plus ₹10,000 a month at 10% for 15 years
Inputs
- Initial Investment
- ₹1,00,000
- Monthly Contribution
- ₹10,000
- Expected Annual Return
- 10 %
- Investment Period
- 15 years
Result
- Estimated value
- ₹46,24,635
- Amount invested
- ₹19,00,000
- Estimated gains
- ₹27,24,635
Step-by-step
- Monthly rate i = 10% ÷ 12 = 0.83333%; months n = 180.
- Growth of the lump sum = ₹1,00,000.00 × (1 + i)^n = ₹4,45,391.96.
- Growth of the monthly contributions (paid at the start of each month) = P × ((1 + i)^n − 1) ÷ i × (1 + i) = ₹41,79,242.66.
- Total = ₹46,24,634.61; amount invested = ₹19,00,000.00; gains = ₹27,24,634.61.
Important notes
- Results are estimates based on the values you enter. They assume the rates stay constant and exclude taxes and fees unless stated.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
What return should I assume?
Use a cautious estimate rather than the best past result. Try several values to see a range.
Is the interest compounded monthly?
Yes. The annual return is divided by 12 and applied each month.
Does it include taxes and inflation?
No. Use the inflation-adjusted return calculator to see today's purchasing power.
Related calculators
- SIP CalculatorEstimate the future value of a monthly SIP. See the amount invested, the estimated returns and how your investment could grow year by year.
- Compound Interest CalculatorSee how money grows with compound interest. Choose the compounding frequency to get the final amount, total interest and effective annual rate.
- Step-Up SIP CalculatorEstimate the value of a SIP that rises by a fixed percentage every year, compared with a flat SIP.
- Lumpsum Investment CalculatorSee what a one-time investment could grow to, including its value in today's purchasing power after inflation.
Explore more in Investment Calculators.