Investment calculator
What one amount becomes
Money usually arrives in lumps — a bonus, a maturity, a sale — and the decision is what to do with it that day.
An assumption you can change, not a forecast.
What it grows to
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Indicative only, based on the assumptions below. Not an offer or a guarantee.
What this assumes
- Compounded annually at a constant rate.
- Nothing added and nothing withdrawn in between.
- No allowance for exit load or capital gains tax at redemption.
The boring bit
Time matters more than timing
Doubling the period does far more than doubling the return assumption, and that ratio is worth internalising before acting on either. At 12%, money roughly doubles every six years — so twenty-four years is not four times as good as six, it is sixteen.
This is also the calculator that makes the cost of waiting visible. Leave the amount alone and drop the years by three; the difference is what a three-year deliberation costs, and it is usually far more than the amount of return being deliberated over.
What it cannot show you is sequence. A constant rate is a smooth line, and real returns are not: the same average delivered in a different order produces a different answer, particularly if you need the money at a fixed date. The nearer the goal, the more that matters and the less equity belongs in it.
FV = P × (1 + r)^n, where r = annual rate and n = years
FAQ
Questions about this calculator
Should I put it all in at once?
Historically, more often than not, yes — because it is invested for longer. The argument against is entirely about regret: if the market falls the week after, a single decision caused it. Splitting the amount over a few months costs a little expected return and buys a lot of sleep, which is a legitimate trade.
What about tax on the gains?
Not included here. Equity funds held over a year are taxed as long-term capital gains, debt funds at your slab. The rates change; ask us what applies to the fund you are actually in rather than assuming.
Is a fixed deposit not safer?
Safer in nominal terms, yes — the number cannot fall. But after tax and inflation a deposit often preserves less purchasing power than it looks like it does. Both belong in most plans; the question is which money goes where.
Turn the number into a plan
A calculator gets you to a figure. Getting there needs a product, and that is the part we do.