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Investment growth

Add each investment as its own card: a lump sum you already have, a monthly amount, or both. We’ll combine them into one projection.

₹50L
₹0
You put in ₹50,00,000→ ₹1.38 Cr
₹0
₹10K
You put in ₹18,00,000 (₹10,000/mo)→ ₹30.6 L
₹0
₹50K
You put in ₹1,29,47,138 (₹50,000/mo, +5%/yr)→ ₹3.07 Cr
Add
Your investments in 15 years₹4.75 Cr

Your investments could grow to ₹4.75 Cr under these assumptions.

You put in
₹1.97 Cr
Lump sum + monthly amounts
Growth
₹2.78 Cr
58% of final pot
Equivalent annual return
9.26%
Same combined cash-flow schedule

What your pot is made of in 15 years

InvestmentYou put inGrows toGrowthShare
Bank FD₹50 L₹1.38 Cr₹88 L29.0%
RD₹18 L₹30.6 L₹12.6 L6.4%
Equity SIP₹1.29 Cr₹3.07 Cr₹1.77 Cr64.5%

Year by year

ValuePut in
Year by year. Value from 5,000,000 to 47,520,523.866. ₹0₹2.38 Cr₹4.75 Cr03691215
View projection values
Year / ageValuePut in
05,000,0005,000,000
16,106,0205,720,000
27,352,4476,470,000
38,756,0487,251,500
410,335,5668,066,075
512,111,9518,915,379
614,108,6259,801,148
716,351,76910,725,205
818,870,65111,689,465
921,697,99012,695,939
1024,870,36713,746,736
1128,428,67414,844,072
1232,418,63515,990,276
1336,891,36717,187,790
1441,904,02818,439,179
1547,520,52419,747,138
How we work it out

Each investment grows at its expected effective annual return, converted to a monthly rate. Contributions arrive at month-end and increase after each completed year by the chosen step-up. Equivalent annual return is the single rate that reproduces the combined final value with the same contribution schedules. This is a common growth illustration, not a simulation of product-specific tax, lock-in, deposit, or statutory rules. Preset returns are editable examples, not current quoted rates.

What did an investment return?

A separate check for an investment with a single starting amount and ending value.

₹2L
₹3.5L
Total return
+72.5%
CAGR
+14.60%
CAGR = (ending value ÷ starting amount)^(1 ÷ years) − 1. Additional contributions and withdrawals aren’t included.

Estimate SIP and lump sum investment growth

Compare how existing investments and regular monthly contributions could grow together. Add separate holdings for fixed deposits, recurring deposits, mutual funds, PPF, EPF, gold, stocks or your own investment type. Each holding has its own editable return assumption.

  1. Choose a whole-year investment horizon.
  2. For each holding, enter the existing amount, monthly contribution, expected annual return and yearly contribution increase.
  3. Compare the combined projection, growth, contribution totals and each investment’s share.

The calculation

rmonth=1+rannual112−1 Bm=Bm−1(1+rmonth)+Cm CAGR=ending valuestarting value1years−1
Monthly contributions are added at month-end. A step-up increases the monthly amount after each completed year. CAGR applies to the separate single-starting-amount ROI helper.

Common questions

Can I combine a lump sum and a SIP?

Yes. Enter both an existing amount and a monthly contribution on the same holding, or add separate holdings. Their projected values are combined at the same points in time.

Does the calculator support a step-up SIP?

Yes. “Raise monthly by” increases that holding’s monthly contribution once after each completed year. Its investment return is calculated separately.

Are the preset deposit and investment rates current quotes?

No. Preset returns are editable illustrative assumptions. This common growth model excludes taxes, lock-ins, investment limits and product-specific rules. The ROI/CAGR helper separately measures a single starting and ending amount.