What is Investment Calculator?
An Investment Calculator helps you calculate future value of your investments in stocks, mutual funds, fixed deposits, PPF, gold, and real estate. Know how much your ₹1 lakh investment will grow in 5, 10, or 20 years at different return rates (8%, 12%, 15%). Plan investment goals, compare different assets, and understand the power of compounding. Whether investing lump-sum or SIP, this calculator shows realistic projections for wealth creation and financial freedom!
Formula
Future Value = Principal × (1 + Rate)^Years
Gains = Future Value - Principal
CAGR = [(FV / Principal)^(1/Years)] - 1
Example: ₹1L at 12% for 10 years = ₹3,10,585 (gains ₹2,10,585)
Benefits of Using Investment Calculator
Future Value Prediction – Know how much your money will grow
Goal Planning – Plan for car, house, retirement, education
Asset Comparison – Compare FD (7%), MF (12%), stocks (15%)
Inflation Adjusted – See real returns after 6% inflation
Compounding Power – Visualize exponential growth over decades
Free & Accurate – Perfect for all investment types
Pro Tip: Equity beats all! ₹1L invested: FD at 7% for 20 years = ₹3.87L. Equity at 12% = ₹9.65L. That's 2.5x more! Risk = short-term volatility. For 10+ years, equity is safest and highest-return asset class!
Frequently Asked Questions
Goal-based: Short-term (<3 years): FD, debt funds. Long-term (10+ years): Equity mutual funds, stocks. Balanced: 60% equity MF, 20% PPF, 20% gold. Expected returns: 10-12% CAGR = ₹1L becomes ₹2.6-3.1L in 10 years!
Nifty 50 historical CAGR (1991-2025): ~14%. Sensex: ~16%. Large-cap MFs: 10-12%. Mid/Small-cap: 14-18% (higher risk). For conservative planning, assume 12% equity returns. Real returns after 6% inflation = 6% wealth growth!
Lump-sum at 12% for 20 years: ₹10.37L becomes ₹1 Cr. For 30 years: ₹3.3L becomes ₹1 Cr. Monthly SIP at 12% for 20 years: ₹13,000/month = ₹1 Cr. Earlier you start, less principal needed!
FD: Safe (6-7%), guaranteed, taxable interest. Mutual Fund: Market-linked (10-15%), risky short-term, tax-efficient. For >5 years: MF beats FD. ₹1L for 10 years: FD = ₹1.97L, MF = ₹2.6-3.1L. Risk tolerance decides!
Years to double = 72 ÷ Return%. At 8% (FD), doubles in 9 years. At 12% (Equity), doubles in 6 years. At 18%, doubles in 4 years. ₹1L at 12% becomes ₹16L in 24 years (doubles 4 times)!
Lump-sum: If you have money now + market is low (high risk). SIP: For monthly salary earners, averages volatility (lower risk). For ₹5L investment: Lump-sum can give higher returns IF timed right. SIP is safer - time IN market > timing market!