MyCalculatorHow it works
Uses standard compound growth: your initial investment and each contribution grow at the expected annual return, compounded once per contribution period, for the full period.
Example
A 5,000 initial investment with 300/month at a 7% expected annual return over 20 years grows to roughly 165,000 — about 77,000 contributed plus roughly 88,000 in estimated growth.
Assumptions & limitations
All results are projections, not guarantees. Actual investment returns vary and can be negative in any given period. This tool assumes a constant annual return, which real markets do not provide.
Frequently asked questions
Is this a guaranteed outcome?
No — this is a projection based on the constant return rate you enter. Real investments fluctuate and can lose value.
Can I use this as a SIP calculator?
Yes. A Systematic Investment Plan (SIP) is a regular contribution investment — set "Contribution per period" to your SIP amount and "Contribution frequency" to Monthly, and this calculator projects it the same way.
What return rate should I use?
There's no universal correct answer; it depends on your asset allocation and risk tolerance. Consider consulting a financial advisor for personalized guidance.