Investment Calculator
Project portfolio growth with a lump sum plus monthly contributions and compound returns. Free planning tool.
Portfolio value
₹25,89,858
Total invested
₹14,00,000
Wealth gained
₹11,89,858
Growth
185%
Over 120 months
Assumes monthly compounding at a fixed return. Markets fluctuate — equity returns in India have varied widely year to year. This is a planning estimate, not a promise of returns.
Last updated: July 2026
How this calculator is verified
Checked by True Calculator automated test suite on
- Formula verified against a published worked example in the automated test suite
- Edge cases (zero, negative, boundary and unit-mismatch inputs) covered by unit tests
The full verification method is on our how we verify page. Found an error? Tell us and we will re-check it.
When to Use This Calculator
Use this calculator whenever you are combining an existing lump sum with ongoing monthly investing — the most common real-world portfolio pattern after bonuses, PF withdrawals, or windfalls. It answers two planning questions: whether the current plan reaches the goal amount, and which lever — a larger lump sum or a higher monthly figure — closes any shortfall fastest. For India-based investors it works well with goal-based planning for children's education, marriage, or a self-funded retirement, since it lets you test the effect of stepping contributions up as your salary grows. The projection assumes a fixed rate, so treat it as a planning estimate and re-run it yearly with updated balances. Compare the result with the SIP calculator to see the value of that initial lump sum over time.
How to Use This Calculator
- Step 1: Enter the initial lump sum you are investing today — a bonus, inheritance, or savings balance.
- Step 2: Add the monthly contribution you plan to keep making.
- Step 3: Set the expected annual return based on your actual asset mix of equity, debt, and fixed deposits.
- Step 4: Enter the investment period in years and read the portfolio value, total invested, and wealth gained.
Worked Example
Kavita starts with ₹2,00,000 from her annual bonus and adds ₹10,000 every month into a balanced portfolio earning 10% per year. After 10 years the portfolio is worth about ₹25,89,858. She invested ₹14,00,000 in total — ₹2 lakh initially and ₹12 lakh over the decade — so ₹11,89,858 of the value is compounding growth. Without the initial lump sum, the same monthly habit alone would build roughly ₹20.5 lakh, showing the head start a single early lump sum provides.
Tips and Common Mistakes
- •Tip 1: Deploy lump sums promptly — money invested in month one earns eleven extra months of compounding that year.
- •Tip 2: Reinvest dividends and interest; spending them is the quietest way to cut the final portfolio value.
- •Tip 3: Review the assumed return against the asset mix once a year and adjust if the portfolio's composition drifted.
- ✗Mistake 1: Avoid entering an unrealistically high return to chase a big number — plan with conservative assumptions and be pleased when reality beats them.
- ✗Mistake 2: Avoid stopping monthly contributions during market dips; regular investing is what the compounding curve depends on.
Frequently Asked Questions
What does this calculator do differently from the SIP calculator?
The SIP calculator only handles monthly contributions from zero. This one combines an initial lump sum plus monthly contributions — the typical pattern when you deploy an existing bonus or savings and keep adding to it every month.
What return rate should I use in India?
Large-cap equity funds have historically returned around 12–15% per year before inflation over long periods, debt funds around 6–8%, and FDs around 5–7%. Use a rate that matches your actual asset mix and a margin of safety for planning.
How do taxes affect these projections?
The calculator ignores tax, so your real take-home will be lower. Equity mutual fund capital gains above the tax-free threshold are taxed, and debt gains at slab-linked rates. For honest planning, either use a post-tax return or build a tax line into your goal.
What is the impact of inflation on the final value?
The final value is in today's rupees. If you assume 6% inflation and 10% nominal return, the real return is only about 4%. Convert the projected value into today's rupees with an inflation calculator to see whether the goal is truly funded.
Can I use this for a child's education or marriage goal?
Yes — these are the classic use cases. Project the goal amount in future rupees first (using the future value tool at expected inflation), then find the initial-plus-monthly combination that reaches it here.
Compare these tools
- Future Value Calculator — Find what your money grows into with compound interest at any frequency
- Gratuity Calculator (India) — Calculate gratuity under the Payment of Gratuity Act, 1972 with the 15/26 formula and the ₹20 lakh tax-exempt cap for Indian employees
- GST Calculator (India) — Add or remove GST from any amount, with CGST + SGST split for intra-state and IGST for inter-state supplies
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