Investment Calculator
Estimate long-term investment growth using accurate compound interest and monthly contributions (SIP / DCA).
How This Investment Calculator Works
This calculator uses accurate compound interest formulas. Monthly contributions (SIP / DCA) are applied monthly, while compounding is applied at the chosen frequency.
FV = P × (1 + r/n)nt + PMT × [(1 + rₘ)12t − 1] / rₘ
where rₘ is the monthly-equivalent rate derived from yearly/monthly/daily compounding.
Use this for SIP projections, retirement planning, and long-term investing estimates.
Inputs Explained
Initial investment: The starting amount you invest today.
Monthly contribution: A fixed amount added to your investment each month. This is optional but greatly boosts long-term returns.
Annual return (%): The expected rate of return per year. Long-term stock market averages range between 6 and 10 percent historically, but results vary.
Years of growth: The total number of years your investment will compound.
Compounding frequency: Determines how often returns are applied. Monthly or daily compounding leads to slightly higher returns than yearly compounding.
Outputs Explained
Future value: The total projected value of your investment at the end of the selected period.
Total contributions: The sum of your initial investment and all monthly deposits.
Interest earned: The profit generated through compounding, excluding your contributions.
Use this calculator for retirement planning, mutual fund projections, SIP growth tracking and long-term wealth planning.
Frequently Asked Questions
Does this include taxes?
No. Taxes are not included in these projections.
Are returns guaranteed?
No. Actual investment returns vary and past performance does not guarantee future results.
Is my data stored?
No. Everything is calculated locally in your browser.