Investment calculators
calculators
Useful for framing, not for deciding
These show what a set of assumptions implies. They are arithmetic, not forecasts — change one assumption and the answer changes with it.
what they are good for
Getting a rough sense of scale: whether a goal is plausible, and how much the contribution or the horizon actually matters.
what they cannot do
They cannot tell you what returns you will get. No calculator can, and any that implies otherwise is misleading you.
the tools
Four calculators, one at a time
Pick the question you are actually asking. Drag the sliders or type a figure — the projection updates as you go.
If I invest every month
What a regular monthly contribution could grow to, if returns averaged the rate you enter.
Projected value
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Assumes a fixed monthly contribution, returns compounded monthly at the rate entered, and no charges, exit loads or taxes. Actual returns vary year to year and can be negative.
If I invest one amount now
What a single one-off investment could grow to over a period, at an assumed rate.
Projected value
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Assumes the amount stays invested for the whole period, compounded annually at the rate entered, with no charges, exit loads or taxes. Actual returns vary year to year and can be negative.
If I need a particular amount
Working backwards from a target to the monthly contribution it would take to reach it.
You would need to invest
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every month
Assumes a level monthly contribution from today, compounded monthly at the rate entered, with no charges or taxes. It answers what the arithmetic requires, not whether the target or the rate is realistic.
If I want to stop working
Today’s expenses carried forward at inflation, then the corpus that would fund them — and what reaching it would take.
Corpus needed at retirement
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Assumes expenses rise with inflation both before and during retirement, a level monthly contribution until you stop working, and the corpus drawn down over the years entered with nothing left at the end. No charges, taxes, pension income or existing savings are included. Treat the figure as an order of magnitude, not a target.
how to read these
Three things worth remembering
A calculator will always give you an answer. Whether it is a useful answer depends entirely on what you put in.
the assumption drives the answer
Change the return by two percentage points and the result moves dramatically. Run a pessimistic version too, not just an optimistic one.
averages hide the sequence
These assume a smooth return every year. Real markets do not work that way, and the order in which returns arrive matters — particularly near retirement.
inflation is not optional
A figure that looks large in today's money may not be. Only the retirement calculator here adjusts for it automatically.
faqs
Questions about these calculators
We deliberately do not suggest one, because a number published on a website becomes an expectation and no return can be assured. The more useful exercise is to run the same calculation at several rates — a pessimistic one, a moderate one and an optimistic one — and see whether your plan still works at the low end. If it only works at the high end, it is not yet a plan.
No. Every calculation runs in your browser and nothing is transmitted, stored or logged. You can confirm this by using the calculators with your network disconnected — they will keep working.
To keep the arithmetic transparent. It works out the total corpus your income would require, and you then subtract what is already committed — EPF, NPS, gratuity, expected rental income, any pension. Building those in automatically would hide assumptions we would rather you could see.
They are a starting point for a conversation, not a basis for a commitment. They assume a constant return, ignore charges and taxes, and take no account of your existing holdings, your liquidity needs or your tolerance for a fall in value. Nothing produced here is investment advice.
Important information about these projections
These calculators are educational tools that project the arithmetic consequences of the assumptions you enter. They are not forecasts, they do not predict returns, and no output is a promise, assurance or guarantee of any outcome. Actual investment returns vary and can be negative, and market-linked investments may lose value including the possible loss of capital. Results exclude charges, exit loads, taxes and the effect of the order in which returns occur. Nothing here is investment, tax or legal advice; please discuss your own circumstances before acting.
let's talk
Let's start with a conversation
There's no obligation, no pressure — just a conversation about where things stand and where you'd like to go.