Investment Calculator
Estimate corpus growth from lumpsum, monthly SIP, or a combination of both.
Model real-world scenarios with step-up, inflation, tax, and goal-based planning. Compare conservative, moderate, and aggressive return assumptions side by side.
Set your assumptions
Core inputs first, advanced options below.
Mode
Investment Parameters
1 month to 40 years
Annual Step-Up
Automatically increase monthly SIP each year. Even a modest step-up can materially boost your final corpus.
Results summary
Estimated investment corpus
₹37,93,283
≈ 37.93 L
A combined investment of ₹5,00,000 lumpsum and ₹10,000/month growing at 12.0% over 10 Years could grow to ₹37,93,283.
Total invested
₹17,00,000
≈ 17.00 L
Total returns
₹20,93,283
≈ 20.93 L
Lumpsum portion
₹15,52,924
≈ 15.53 L
Monthly SIP portion
₹22,40,359
≈ 22.40 L
Annual return
12.0%
Growth Projection
Year-wise breakdown
How the investment grows over time
Review opening balance, contributions, cumulative invested amount, estimated returns, and closing corpus for each year.
| Year | Opening | Annual contribution | Total invested | Returns earned | Closing corpus |
|---|---|---|---|---|---|
| 1 | ₹5,00,000 | ₹6,20,000 | ₹6,20,000 | ₹67,665 | ₹6,87,665 |
| 2 | ₹6,87,665 | ₹1,20,000 | ₹7,40,000 | ₹1,57,850 | ₹8,97,850 |
| 3 | ₹8,97,850 | ₹1,20,000 | ₹8,60,000 | ₹2,73,257 | ₹11,33,257 |
| 4 | ₹11,33,257 | ₹1,20,000 | ₹9,80,000 | ₹4,16,912 | ₹13,96,912 |
| 5 | ₹13,96,912 | ₹1,20,000 | ₹11,00,000 | ₹5,92,207 | ₹16,92,207 |
| 6 | ₹16,92,207 | ₹1,20,000 | ₹12,20,000 | ₹8,02,937 | ₹20,22,937 |
| 7 | ₹20,22,937 | ₹1,20,000 | ₹13,40,000 | ₹10,53,354 | ₹23,93,354 |
| 8 | ₹23,93,354 | ₹1,20,000 | ₹14,60,000 | ₹13,48,222 | ₹28,08,222 |
| 9 | ₹28,08,222 | ₹1,20,000 | ₹15,80,000 | ₹16,92,873 | ₹32,72,873 |
| 10 | ₹32,72,873 | ₹1,20,000 | ₹17,00,000 | ₹20,93,283 | ₹37,93,283 |
About
What is an Investment Calculator?
An investment calculator estimates how money grows over time through compounding. Whether you invest a lump sum, make monthly contributions, or combine both strategies, the calculator projects your future corpus, total wealth gained, and the split between capital and returns — helping you plan smarter for any financial goal.
Projects lumpsum and monthly SIP growth in a single combined view.
Models annual step-up to show the benefit of gradually increasing SIP contributions.
Includes inflation and tax adjustments for realistic long-term planning.
Goal mode calculates the required SIP to reach any target corpus.
Scenario comparison shows outcomes across conservative, moderate, and aggressive returns.
Year-by-year breakdown tracks contributions, returns, and corpus growth.
Key insight
The compounding effect explained
Compounding means returns start earning their own returns. The effect is modest in early years but accelerates significantly later — often called the “hockey stick” effect. Longer time horizons are therefore the single most powerful lever for any investor.
Time horizon
The most powerful input. Even 3–5 extra years can dramatically increase the final corpus.
Return rate
A 2% difference in annual return compounds into a very large gap over 20+ year horizons.
Regular investing
Monthly contributions reduce dependence on a large starting amount and build long-run discipline.
FAQ
Frequently asked questions
A lumpsum puts the entire amount to work immediately, relying on the power of compounding from day one. Monthly SIP spreads your investment across time, reducing timing risk and building discipline. A combined approach captures benefits of both strategies.