Estimate how a monthly SIP or a one-time investment could grow, or work out how much to invest each month to reach a goal. You choose the assumptions, and every result is an illustration, not a promise.
Investing a fixed amount every month? See what it could add up to over time.
Try a cautious rate as well. Returns are not guaranteed.
Illustration only, at the return you assume. It is not a forecast for any scheme. Mutual fund returns are market-linked and not guaranteed.
Have a bonus, a maturity amount or savings to invest at once? See how it could grow.
Try a cautious rate as well. Returns are not guaranteed.
Illustration only, at the return you assume. Actual returns depend on the markets and the investment you choose, and are not guaranteed.
Saving for your child’s education, a home or retirement? Find the monthly SIP that could get you there.
Try a cautious rate as well. Returns are not guaranteed.
Illustration only. The return and inflation rates are assumptions and will vary over time. Reaching the goal is not guaranteed.
These calculators show illustrations based on the numbers you enter. They do not predict the returns of any mutual fund scheme, and actual returns are not guaranteed. If you would like help with a real plan, book a free initial consultation.
Simple, standard formulas, so you can see exactly where each number comes from. The examples use the calculators’ starting values and an assumed return of 10% a year.
Each monthly instalment grows at the monthly equivalent of your yearly rate (the rate ÷ 12). Instalments are assumed to be made at the start of each month.
Formula: FV = P × [(1 + i)n − 1] ÷ i × (1 + i)
P = monthly SIP, i = monthly rate, n = number of months
Example: ₹5,000 a month for 10 years is ₹6,00,000 invested. At an assumed 10% a year, the illustration comes to about ₹10.33 Lakh.
The amount you invest once grows at your yearly rate, compounded once a year, for the number of years you choose.
Formula: FV = P × (1 + r)t
P = amount invested, r = yearly rate, t = number of years
Example: ₹1,00,000 invested for 10 years at an assumed 10% a year comes to about ₹2.59 Lakh.
Your goal is first grown by inflation to find its future cost. We then work out the monthly SIP that would reach that amount at your assumed return.
Formula: Future cost = today’s cost × (1 + inflation)years
Monthly SIP = future cost ÷ what ₹1 a month would grow to
Example: A goal costing ₹10.00 Lakh today, 10 years away, at 6% inflation will cost about ₹17.91 Lakh. At an assumed 10% a year, that needs a SIP of about ₹8,670 a month.
The same SIP of ₹5,000 a month for 10 years (₹6,00,000 invested), at four different assumed returns:
| Assumed return | Illustrative value |
|---|---|
| 6% a year | ₹8.23 Lakh |
| 8% a year | ₹9.21 Lakh |
| 10% a year | ₹10.33 Lakh |
| 12% a year | ₹11.62 Lakh |
A small change in the assumed return makes a big difference over long periods. That is why we suggest planning with a cautious rate. Illustrative only, not guaranteed.
These calculators are for illustration and general education only. The results depend entirely on the assumptions you enter. They do not represent the past or future returns of any mutual fund scheme, and they are not an offer or a recommendation to buy any scheme. Actual returns are not guaranteed. Past performance may or may not be sustained in future.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
A calculator tells you roughly how much you may need. A plan shows you how to get there: which types of funds suit your timeline, how much risk is right for you and when to review.
That is where we help. In a free initial consultation, in person, online or by phone, we:
Straight answers about the assumptions and what the results mean.
Read plain answers about SIPs, KYC, the safety of your money and costs, or see how we work and how we are paid.
There is no single right number. Returns depend on the type of fund and on the markets, and they change from year to year. Try a cautious rate as well as a hopeful one, and plan around the cautious result. If your plan still works at a lower rate, it is more likely to hold up in real life.
No. The results are illustrations based on the numbers you enter. Mutual fund returns are market-linked, so the actual value of your investment can be higher or lower, and you may get back less than you invested.
Prices rise over time, so a goal that costs ₹10 lakh today will cost more in future. The goal planner first grows today’s cost by the inflation rate you enter, then works out the monthly SIP needed to reach that higher amount. At 6% inflation, ₹10 lakh today becomes about ₹17.9 lakh in 10 years.
No. The calculators apply the rate you enter and do not deduct tax on gains, exit loads or stamp duty. The SIP and lump sum results are also in future rupees, which will buy less than the same amount today.
Once a year, and whenever something important changes: a new job, a raise, marriage, a child or a change in your goal. Increasing your SIP as your income grows can make a real difference over long periods.
Yes. In a free initial consultation we look at your goal, your timeline and how much risk you are comfortable with, and explain suitable options in plain language. You decide whether to invest. Book a free consultation.
We will look at your goal, your timeline and your comfort with risk, and explain your options clearly.
