How it works
- You set the monthly investment, the expected annual return and the duration with three sliders. Each value updates beside its label as you drag it.
- The projection uses the future value of an annuity due: each instalment compounds monthly at the rate divided by twelve hundred, and the series is multiplied by (1+r) because the contribution is treated as arriving at the start of the month rather than the end.
- Invested is simply the monthly amount times the number of months. Returns is the maturity value minus that. The proportion bar splits the same two numbers, so it cannot drift from the rows above it.
- Every figure recalculates on each input event. There is no submit button, no page reload and no request to a server.
- Nothing is stored. No cookie, no local storage, no analytics event carrying your amounts. Reloading the page returns the defaults.
Limitations
It compounds monthly at a constant rate, and real returns do not behave that way. An equity fund that averages twelve percent over fifteen years does so through years of thirty percent and years of minus twenty, and the order those years arrive in changes the outcome — a bad first five years hurts more than a bad last five, because there is less capital compounding afterwards. The projection here is the smooth path through a bumpy one.
Tax is not deducted and neither are costs. Long-term capital gains on equity funds are taxed above an annual exemption, the fund's expense ratio comes out of the return before you see it, and an exit load may apply to units redeemed early. The maturity figure is gross; the amount that reaches your account is lower.
Inflation is not modelled. A projection of a large number in twenty-five years is in future rupees, and future rupees buy less. If the goal is a real-world target such as a house or a fee, subtract your inflation assumption from the return before setting the slider — that gives a figure roughly in today's money, which is the one you can actually reason about.
Questions
Are my figures saved anywhere?
No. The numbers exist only in this page while it is open. There is no account, no history, and no analytics event carrying your amounts.
How accurate is the result?
The arithmetic is exact for a constant rate compounded monthly. As a forecast it is a model, not a prediction — the return you type is an assumption, and the range of real outcomes around any long-horizon assumption is wide. Read it as a range, not a number.
What return should I assume?
We will not put a figure here, because a number on a page becomes an expectation. Look at long-period returns for the specific category you are investing in, subtract the fund's expense ratio, and be more conservative for shorter horizons where there is less time to average out a bad run.
Does the calculator account for a step-up SIP?
No. It assumes the same monthly amount for the whole duration. If you increase contributions annually, the real maturity value will be meaningfully higher than shown, and modelling that properly needs a spreadsheet with a row per year.
Do I need an account?
No. There is no sign-up, no email step and no usage counter. The tool is paid for by the ads on this page.
When people use it
The common case is sizing a habit. Someone has decided to invest monthly and wants to know whether the amount they have in mind gets anywhere near a goal in the time available. Dragging the monthly slider until the maturity figure clears the target is a faster way to answer that than any amount of reading.
The second case is the argument for starting early. Set fifteen years, note the returns row, then drag to twenty and note it again. The five extra years add sixty instalments and considerably more than sixty instalments' worth of value, because the early money has the longest to compound. That gap is the entire case for not waiting, and it is more persuasive as a number you produced than as a sentence someone wrote.
Opening an investment account means KYC paperwork, and the form almost always wants identity, address and bank proof as a single attachment. Merge PDF combines them in the order you set, in your browser, without the documents being uploaded anywhere.
How it compares
A fund house's calculator does the same arithmetic and sits inside a funnel; the number you enter is a lead. Nothing here is submitted anywhere, and there is no fund being recommended at the end. A spreadsheet is the better instrument once the plan has any structure to it — annual step-ups, a lump sum alongside the monthly amount, or a withdrawal phase — because each of those needs a row per period rather than a closed-form formula.