Investment & Wealth Calculators

Compound interest is calculated by repeatedly adding earned interest back to the balance, so future interest is earned on a growing amount. The core formula is A = P(1 + r/n)^(nt), where P is the principal, r is the annual rate, n is how many times a year interest compounds, and t is the number of years. When you also add regular contributions, the calculator simulates the balance month by month so each new deposit starts compounding too.

A SIP (Systematic Investment Plan) calculator estimates the future value of investing a fixed amount every month, typically in mutual funds. You enter your monthly investment, an expected annual return, and the number of years, and it projects the total you'll have invested, the estimated returns, and the final corpus. It uses the future-value-of-an-annuity formula, assuming each monthly contribution compounds until the end of the period.

With a SIP, a fixed sum is automatically invested in a chosen mutual fund at regular intervals, usually monthly. Because you invest the same amount regardless of price, you buy more units when prices are low and fewer when they're high — a strategy called rupee-cost (or dollar-cost) averaging that smooths out market volatility. Over long periods, the combination of disciplined investing and compounding can build substantial wealth from modest monthly amounts.

A good return depends on the asset and the risk. Historically, broad stock-market indices have returned roughly 7–10% per year on average over the long term, bonds far less, and savings accounts less still. A return that beats inflation and meets your goal for the risk you're comfortable with is good. Use the ROI calculator above to convert any gain into a percentage and an annualized rate so you can compare investments fairly.

A Systematic Withdrawal Plan (SWP) is the reverse of a SIP: instead of investing regularly, you withdraw a fixed amount at regular intervals from an invested corpus while the remaining balance continues to earn returns. It's commonly used for retirement income. The SWP calculator above shows how long your corpus lasts, the total you'd withdraw, and the balance remaining, given your expected rate of return.

How long a corpus lasts depends on its size, your withdrawal amount, and the return it earns. If your withdrawals exceed the returns, the balance shrinks each period until it's exhausted; if returns exceed withdrawals, it can last indefinitely. The SWP calculator simulates this month by month and reports exactly when the corpus would deplete, or confirms that it survives the full period you entered.

Inflation is the gradual rise in prices over time, which means each unit of money buys a little less each year. Even moderate inflation erodes savings: at 6% a year, money loses about half its purchasing power in roughly 12 years. The inflation calculator above shows how much a future sum needs to be to match today's buying power, and how much today's money will be worth later — a key reason to invest rather than hold idle cash.

Return on investment (ROI) is calculated as (final value − initial investment) ÷ initial investment × 100, expressed as a percentage. For example, turning $10,000 into $18,000 is an 80% ROI. To compare investments held for different lengths of time, the annualized ROI matters more — it's the equivalent yearly return, found with ((final ÷ initial)^(1/years) − 1) × 100. The ROI calculator above computes both instantly.