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Your money, with a plan

Investment Calculator: see what your
investments could become

Build your investment plan, explore different return assumptions, and see your potential corpus year by year — up to 40 years.

Your investment plan

Add one or more investments
1 strategy

Investment tenure

How long do you plan to invest?
15 years
1 year10 years20 years30 years40 years
Step-Up: Increase investment every year
Step-up increases each recurring investment by the same percentage at the start of every new year (Lump sums are excluded).
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Your projected outcome

Based on your current assumptions
Estimated corpus after 15 years
0
Total amount invested0
Estimated growth0

Corpus growth

Total corpus
Highlighted bars mark years 5, 10, 15 and 20. Values are estimates, not guaranteed returns.

Milestone snapshot

Your projected corpus at key points

Year-by-year breakdown Scroll

Total corpus combines all investment rows
40 years
YearTotal investedEstimated growthProjected corpus

Illustrative calculator only. Simulates growth iteratively using loops based on chosen frequencies. Actual investment returns fluctuate and may be negative. This is not financial advice.

Estimated corpus

How the investment calculator works

This investment calculator estimates how much money you could build by investing regularly in mutual funds, stocks, PPF, recurring deposits or any other option where you can assume an annual return. Add one or more investments: a monthly SIP, a daily amount or a one-time lumpsum. Then pick a return rate, a compounding frequency and a tenure of up to 40 years.

Turn on step-up to raise your instalment every year, the way your income usually grows. The year-by-year table shows what you put in, what growth added and the projected corpus at each milestone. Use the PDF, link and WhatsApp buttons to save or share your plan.

For a monthly SIP compounded monthly, the corpus works out as follows, where P is the monthly instalment, i is the annual return divided by 12 and n is the number of months. Instalments are assumed at the start of each month.

FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)

Frequently asked questions

How is the return on a SIP calculated?

Each monthly instalment grows for the months it stays invested, so the first instalment compounds the longest. The calculator adds up all of these amounts to get your final corpus. The formula above is the shortcut for a monthly SIP with monthly compounding.

How much will ₹10,000 a month become in 20 years?

At an assumed 12% a year, ₹10,000 a month for 20 years grows to about ₹99.91 lakh, of which only ₹24 lakh is your own money. At 8% the same plan reaches about ₹59.29 lakh. Change the rate in the calculator to see how sensitive the result is.

What is a step-up SIP?

A step-up SIP raises your instalment by a fixed percentage every year, for example 10%. Because income usually rises over time, a step-up can add a great deal to the final corpus without feeling heavy at the start.

Which return rate should I use?

No return is guaranteed. Equity mutual funds can swing widely from year to year, while options such as PPF or bank fixed deposits move within a narrower, government- or bank-set range. Try a cautious, a middle and an optimistic rate, and plan around the cautious one.

Does the calculator include tax or fund expenses?

No. Results are pre-tax estimates and do not deduct expense ratios, exit loads or capital-gains tax. Actual returns will usually be lower than the headline rate you enter.