Investment Calculators

Each monthly instalment is assumed to be invested at the start of the month and compounds at the expected annual return divided by 12. The formula is the standard future value of an annuity-due: FV = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly SIP, r the monthly rate and n the number of months.

Indian large-cap indices have historically delivered 11–13% p.a. over long periods, with large swings in between. 12% is a common planning assumption for equity-heavy portfolios held 10+ years; use 10% if you prefer a conservative plan. Avoid planning above 14% — past bull runs are not a promise.

At 12% p.a., roughly ₹43,000 per month. At 10% p.a. it is about ₹48,400, and at 14% about ₹38,200. Stretching the horizon helps enormously: over 20 years at 12%, ₹1 crore needs only about ₹10,000 per month.

If you invest from a monthly salary, SIP is simply how the money arrives — automate it. For a windfall, investing immediately wins mathematically about two-thirds of the time, but staggering entry over 6–12 months makes panic-selling less likely. Money needed within 3 years should sit in debt instruments, not equity.

The results are nominal — they show the corpus in future rupees before tax. For inflation-adjusted goal planning use the Goal Planner, which inflates your target to the goal year. Equity gains above ₹1.25 lakh per year are currently taxed at 12.5% (LTCG) when you redeem.