Investment Calculator - Plan Your Financial Growth (2024)

Compound Magic: ₹10,000/month at 12% for 30 years becomes ₹3.5 crores - you invest only ₹36 lakhs, earn ₹3.14 crores in returns!

Why Use an Investment Calculator?

This tool helps you answer critical wealth-building questions:

How much will my investments grow over time?
What monthly investment is needed to reach ₹1 crore?
How does compounding affect long-term returns?
Which investment option gives better returns?

Compound Interest Formula

A = P × (1 + r/n)^(n×t)

Where:
A = Future value
P = Principal amount
r = Annual interest rate (decimal)
n = Compounding frequency per year
t = Time in years

Expected Returns by Investment Type

Equity Investments

Stocks/MFs: 10-15%

(Long-term average)

Fixed Income

FDs/RDs: 6-8%

(Low risk)

Real Estate

8-12%

(Including rental yield)

Gold

7-10%

(Long-term)

Smart Investment Strategies for 2024

1. Asset Allocation

Follow the 100-age rule for equity allocation. At 30 years old, invest 70% in equities and 30% in debt instruments.

2. Systematic Approach

Use SIPs for mutual funds to average purchase costs and reduce market timing risk.

Investment Comparison (₹10,000/month for 20 years)

Asset Class	Expected Return	Total Invested	Maturity Value
Savings Account	3-4%	₹24,00,000	₹32-36 lakhs
Fixed Deposits	6-7%	₹24,00,000	₹46-52 lakhs
Debt Funds	7-9%	₹24,00,000	₹52-65 lakhs
Equity Funds	12-15%	₹24,00,000	₹1-1.5 crores

Pro Tip: Start early! A 25-year-old investing ₹5,000/month at 12% until retirement (60 years) would accumulate ₹5.8 crores, while starting at 35 would yield only ₹1.7 crores.