Calculate future value of your investments — lump sum or SIP (monthly).
| Total Invested | — |
| Wealth Gained | — |
| Final Value | — |
| Absolute Return | — |
SIP (Systematic Investment Plan) spreads your investment monthly, averaging purchase cost over time. Lump sum works best when markets are low. Both benefit from long-term compounding — staying invested longer matters more than timing.
Returns vary widely by asset class: fixed-income options like FDs and PPF offer lower, more stable returns, while equity mutual funds carry higher risk with higher potential returns. Past performance doesn't guarantee future returns - check current rates before assuming a return figure.
Investment returns depend on the asset class, investment horizon, and compounding frequency. In India, long-term equity investments have historically outpaced fixed-income options like PPF and FDs, though with much higher volatility.
| Investment Type | Expected Return | Risk Level | Best For |
|---|---|---|---|
| Bank FD | 6.5–7.5% | Zero | Short-term, capital protection |
| PPF | 7.1% | Zero | Long-term, tax saving |
| Debt Mutual Fund | 7–9% | Low | 1-3 years, stability |
| Large Cap Fund | 10–12% | Medium | 5+ years, wealth creation |
| Mid/Small Cap Fund | 12–18% | High | 7+ years, higher growth |
| Gold | 8–10% | Medium | Hedge, 5-10 years |
At 12% CAGR, ₹1 lakh invested today becomes: ₹1.76L in 5 years, ₹3.1L in 10 years, ₹9.6L in 20 years, ₹30L in 30 years. This is why starting early is the single most powerful factor in wealth creation.
Calculatr