Investment Growth Calculator
Calculate how your investment will grow over time with compound interest
See the power of long-term investing and understand how compound growth can help you achieve your financial goals.
Calculate Growth
💡 Tip: Adjust the values above to see how different investment amounts, rates, and time periods affect your returns.
Understanding Investment Growth
Why Invest?
- Beat inflation and grow your wealth over time
- Benefit from compound growth over longer periods
- Achieve your financial goals and build wealth
Investment Tips
- Start investing early to maximize compound growth
- Diversify your portfolio to reduce risk
- Stay invested for the long term
How It Works
This calculator uses the compound interest formula to project investment growth:
FV = P × (1 + r)^t - • FV = Future Value
- • P = Principal (initial investment)
- • r = Annual interest rate
- • t = Time period in years
Why Our Investment Calculator Stands Out
Compound Growth Visualization
See the exponential power of compounding with year-by-year breakdown and charts showing how small investments grow significantly over time.
Multiple Asset Classes
Calculate returns for stocks (12-15%), mutual funds (10-12%), fixed income (6-8%), or custom rates to plan diversified portfolios.
Goal-Based Planning
Perfect for planning retirement, children's education, home purchase, or any long-term financial goal with precise projections.
How to Use the Investment Growth Calculator
Enter Initial Investment
Input the amount you plan to invest today. This can be a lump sum amount you already have or plan to invest immediately.
Set Expected Return Rate
Enter the expected annual return rate. Use 12-15% for equity, 10-12% for balanced funds, 6-8% for debt funds, or custom rates for your specific investment.
Choose Investment Period
Select your investment time horizon. Longer periods (10+ years) maximize the benefits of compound growth and reduce volatility impact.
Analyze Growth Projection
View your investment's future value, total returns earned, and year-wise growth breakdown with interactive charts and detailed analysis.
Frequently Asked Questions
What is compound interest and how does it work?
Compound interest means earning interest on your interest. For example, if you invest ₹1 lakh at 10% annual return, you earn ₹10,000 in year 1. In year 2, you earn 10% on ₹1.1 lakh (₹11,000), not just on the original ₹1 lakh. Over time, this creates exponential growth - the same ₹1 lakh becomes ₹2.59 lakhs in 10 years and ₹6.73 lakhs in 20 years!
What is a realistic return rate for investments in India?
Historically, equity mutual funds return 12-15% annually, large-cap stocks 10-12%, small-cap 15-18%, balanced funds 10-12%, debt funds 6-8%, and FDs 6-7%. Real estate appreciates 6-8%. However, past performance doesn't guarantee future returns. Use conservative estimates (10-12%) for long-term planning. Remember, higher returns come with higher risk.
How long should I stay invested?
For equity investments, stay invested for at least 5-7 years to ride out market volatility. For retirement planning, 20-30 years is ideal. The longer you stay invested, the more powerful compounding becomes. A ₹1 lakh investment at 12% returns becomes ₹3.11 lakhs in 10 years, ₹9.65 lakhs in 20 years, and ₹29.96 lakhs in 30 years - showcasing the exponential power of long-term investing.
Should I invest lump sum or do SIP?
Both have advantages. Lump sum works best when markets are down or you have a windfall. SIP is better for regular income earners, reduces timing risk through rupee cost averaging, and instills discipline. Ideally, use both: invest lump sum in debt funds and do SIP in equity funds. If you have a large amount, consider Systematic Transfer Plan (STP) to move gradually from debt to equity.
How much should I invest to reach ₹1 crore?
At 12% annual return: invest ₹32.20 lakhs today for 10 years, ₹10.37 lakhs for 20 years, or ₹3.34 lakhs for 30 years. Through monthly SIP: ₹19,500/month for 20 years or ₹6,500/month for 30 years. The earlier you start, the less you need to invest. Starting 10 years earlier can reduce your required monthly investment by 60-70%!
What is the Rule of 72?
The Rule of 72 helps you quickly estimate how long it takes to double your money. Divide 72 by your annual return rate. At 12% return, your money doubles in 72/12 = 6 years. At 8%, it takes 9 years. At 6%, it takes 12 years. This simple rule helps you understand the power of returns and why even a few percentage points difference in returns can significantly impact long-term wealth creation.