Investment Growth Calculator
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Future Value
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Invested Amount
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Estimated Returns
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Estimated value based on the return rate entered. Actual returns may vary and are not guaranteed.
An investment growth calculator separates your money into two parts as it grows: what you actually put in, and what the market has added on top through returns. Watching that second portion grow year over year is often the most motivating part of long-term investing.
Use it to see how the ratio of invested capital to returns shifts over a longer horizon — in the early years, most of your total comes from your own contributions; later, compounding does more of the work.
How This Calculator Works
Uses the same combined lump-sum-plus-monthly-contribution future value calculation, with the year-by-year chart splitting the total into cumulative invested amount and cumulative estimated returns.
Frequently Asked Questions
Why does the 'returns' portion grow slowly at first?
Early on, your total balance is mostly made up of your own contributions. Compounding needs time and a growing base to really accelerate — this is often called the 'hockey stick' effect.
Should I increase my monthly contribution over time?
Many investors do, often called a 'step-up SIP,' increasing contributions annually in line with income growth. This calculator assumes a fixed monthly amount; treat the result as a baseline.