Investment Calculator — Future Value & Wealth Growth EstimatorFV = PV(1 + r)ⁿ · Lump Sum · SIP · CAGR · Inflation-Adjusted Returns
Use this free Investment Calculator to instantly project the future value of any investment — whether a one-time lump sum deposit or recurring periodic contributions — using the standard compound growth formula: FV = PV × (1 + r)ⁿ for lump sum investments, and FV = PMT × [(1 + r)ⁿ − 1] / r for regular contributions (SIP / annuity). Enter your initial investment amount, expected annual rate of return, investment duration in years, and compounding frequency to instantly compute: total future value, total interest / growth earned, inflation-adjusted real return, and year-by-year growth breakdown — across daily · monthly · quarterly · annual compounding.
This investment growth calculator is built for every stage of personal finance and wealth planning: retirement corpus & pension fund projection · SIP & mutual fund maturity value estimation · fixed deposit (FD) & recurring deposit (RD) maturity calculator · stock market & index fund long-term wealth accumulation · education fund & child savings plan projection · FIRE (Financial Independence, Retire Early) target planning · NPS, PPF, ELSS & tax-saving investment growth estimation. Trusted by retail investors, financial planners, CAs, CFPs, SEBI-registered investment advisors (RIA), and students to compare investment scenarios, understand compounding power over time, and make informed long-term wealth-building decisions.
⚠ Financial Disclaimer: This investment calculator provides projections for educational and planning purposes only. Results assume a fixed rate of return and do not account for market volatility and drawdowns, inflation and purchasing power erosion, capital gains tax and dividend distribution tax, fund management fees and expense ratios, early withdrawal penalties, or sequence-of-returns risk. Past investment performance does not guarantee future results. Always consult a licensed financial advisor, CFP, or SEBI-registered investment advisor (RIA) before making significant investment or retirement planning decisions.
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Investment Calculator — Project What Regular Contributions Become Over Time
Lump sum investing and regular contribution investing produce very different growth curves, and most people underestimate how powerful consistent contributions are. $10,000 invested once at 8% grows to $46,610 in 20 years. $500/month invested at 8% for 20 years grows to $294,510 — more than six times as much, from total contributions of only $120,000. The investment calculator models both lump sum and regular contribution scenarios so you see the compounding effect of consistent investing, not just the effect of an initial amount.
Asset allocation drives long-term returns more than investment selection within an asset class. A 100% stock portfolio has returned approximately 10% annually over long periods; a 60/40 stock-bond portfolio has returned approximately 8%. The 2% difference seems small but on a $500/month contribution over 30 years, it is the difference between $679,000 and $566,000 — a $113,000 gap attributable entirely to allocation. The calculator lets you model different expected return rates so the allocation decision is informed by its compounded consequences.
Inflation-adjusted returns reveal whether your investment is truly growing your wealth or just keeping pace with rising prices. A nominal 7% return in a 3% inflation environment is a 3.88% real return. $100,000 growing at 7% nominal for 20 years reaches $387,000 nominal but only $214,000 in today's purchasing power. The investment calculator shows both nominal and real (inflation-adjusted) projections so you are planning retirement income in terms of actual buying power, not misleading nominal figures.