Investment Growth Calculator
Instead of asking what an investment will be worth, ask how long it will take to reach a goal. Enter what you have, what you add each month and the return you expect.
Results
Time to reach your goal
12 years, 3 months
- Value at that time
- ₹50,09,665
- Total invested
- ₹24,05,000
- Growth
- ₹26,04,665
- Months
- 147
You would reach ₹50,00,000.00 in about 12 years, 3 months, having invested ₹24,05,000.00.
Invested amount vs gains
- Invested amount₹24,05,000 (48.0%)
- Growth₹26,04,665 (52.0%)
Show the calculation steps
- Each month: new balance = (balance + ₹15,000.00) × (1 + 0.83333%), starting from ₹2,00,000.00.
- Repeat until the balance reaches ₹50,00,000.00: this takes 147 months.
- Amount invested = ₹2,00,000.00 + 147 × ₹15,000.00 = ₹24,05,000.00; value at that point = ₹50,09,664.68.
What speeds up a goal
Three levers shorten the time to a goal: contributing more, earning a higher return and starting with more. Contributions matter most early on, while growth matters most once the balance is large.
Use it to test trade-offs
Change the monthly amount by a few thousand and watch the time change. Often a small increase in contributions saves years.
Formula
Each month: balance = (balance + contribution) × (1 + i)
Repeat until balance ≥ target
Where:
- i
- = Monthly return (annual ÷ 12 ÷ 100)
- contribution
- = Amount added each month
Example calculation
₹2,00,000 plus ₹15,000 a month at 10% towards ₹50,00,000
Inputs
- Amount You Have Now
- ₹2,00,000
- Monthly Contribution
- ₹15,000
- Expected Annual Return
- 10 %
- Target Amount
- ₹50,00,000
Result
- Time to reach your goal
- 12 years, 3 months
- Value at that time
- ₹50,09,665
- Total invested
- ₹24,05,000
- Growth
- ₹26,04,665
- Months
- 147
Step-by-step
- Each month: new balance = (balance + ₹15,000.00) × (1 + 0.83333%), starting from ₹2,00,000.00.
- Repeat until the balance reaches ₹50,00,000.00: this takes 147 months.
- Amount invested = ₹2,00,000.00 + 147 × ₹15,000.00 = ₹24,05,000.00; value at that point = ₹50,09,664.68.
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
How is the time calculated?
Month by month: each month the balance grows by the monthly return after the contribution is added, until it reaches the target.
What if I contribute nothing?
Then only the starting amount grows. Set the monthly contribution to 0 to see it, provided you have a starting amount.
Why does it say the goal isn't reachable?
If the goal would take more than 100 years at these settings, the calculator asks you to raise the contribution or the return.
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