Investment Calculator
The Investment Calculator by MasterCalculator.in is a powerful tool that helps users forecast their investment growth over time. It allows users to compute the final amount, time required, or required return rate based on the inputs provided. This calculator is designed with both beginners and seasoned investors in mind and provides clarity on how disciplined, periodic contributions can lead to significant wealth accumulation.
Investment Calculator for India
Plan your financial future with precision
General Investment Calculator
SIP Calculator
PPF Calculator
Min: ₹500, Max: ₹1,50,000 per year
Min: 15 years (with extension options)
Current rate: 7.1% (Revised quarterly)
Fixed Deposit Calculator
TDS applicable if interest > ₹40,000 per year (₹50,000 for senior citizens)
ELSS/Mutual Fund Calculator
ELSS has a lock-in period of 3 years
Financial Goal Planner
Calculation Results
Final Amount
₹
Inflation Adjusted: ₹
Total Investment
₹
Wealth Created: ₹
Time Required
Required Annual Return Rate
%
Required Starting Amount
₹
After-Tax Returns
₹
Tax Paid: ₹
Investment Growth
Year-by-Year Breakdown
| Year | Starting Balance | Contribution | Interest Earned | Ending Balance |
|---|---|---|---|---|
| ₹ | ₹ | ₹ | ₹ |
SIP Investment Results
Expected Returns
₹
Total Amount Invested
₹
Wealth Gained
₹
Returns %: %
After-Tax Returns
₹
Tax Paid: ₹
SIP Growth Chart
Year-by-Year Breakdown
| Year | Investment Amount | Interest Earned | Total Value |
|---|---|---|---|
| ₹ | ₹ | ₹ |
PPF Investment Results
Maturity Amount
₹
Total Investment
₹
Total Interest Earned
₹
Tax Benefits (Section 80C)
₹
Based on 30% tax slab
PPF Growth Over Time
Year-by-Year Breakdown
| Year | Opening Balance | Annual Investment | Interest Earned | Closing Balance |
|---|---|---|---|---|
| ₹ | ₹ | ₹ | ₹ |
Fixed Deposit Results
Maturity Amount
₹
Principal Amount
₹
Total Interest Earned
₹
After-Tax Maturity Value
₹
Tax Paid: ₹
FD Growth
Interest Details
| Year | Interest Earned | Balance |
|---|---|---|
| ₹ | ₹ |
Effective Annual Yield
%
The annual rate of return considering compounding
Mutual Fund Investment Results ELSS Investment Results
Final Amount
₹
Total Investment
₹
Total Earnings
₹
Returns: %
Tax Saving (Section 80C)
₹
Based on 30% tax bracket
After-Tax Returns
₹
Tax on gains: ₹
Investment Growth
Year-by-Year Breakdown
| Year | Investment | Earnings | Value |
|---|---|---|---|
| ₹ | ₹ | ₹ |
Financial Goal Planning Results
Goal:
Target: ₹ in years
Inflation-Adjusted Target: ₹
Required Monthly Investment
₹
Required Quarterly Investment
₹
Required Annual Investment
₹
Current Savings
₹
Future Value: ₹
Additional Funding Needed
₹
Total Investment
₹
Total Returns
₹
(% of target)
Goal Progress Chart
Recommended Investment Approach
Short-Term Goal (≤ 2 years)
- Fixed Deposits - Low risk, predictable returns
- Liquid Funds - Better than savings accounts with easy liquidity
- Ultra Short-term Debt Funds - Slightly higher returns than liquid funds
- Avoid market-linked investments for such short periods
Medium-Term Goal (2-5 years)
- Short-term Debt Funds - Better returns than FDs
- Corporate Bond Funds - Higher yield with moderate risk
- Balanced Advantage Funds - Dynamic equity-debt allocation
- Consider a mix of 70% debt and 30% equity instruments
Long-Term Goal (> 5 years)
- Equity Mutual Funds - For better long-term returns
- Index Funds - Low-cost way to track market returns
- PPF - For tax-free returns with government backing
- NPS - For retirement goals with tax benefits
- Consider a mix of 70% equity and 30% debt for growth with stability
Year-by-Year Projection
| Year | Starting Value | Annual Investment | Returns | Year-End Value |
|---|---|---|---|---|
| ₹ | ₹ | ₹ | ₹ |
Financial Planning Tips
Diversification
Spread investments across different asset classes to reduce risk. Consider a mix of equity, debt, gold, and real estate based on your risk appetite and goals.
Tax Efficiency
Use tax-saving instruments like ELSS, PPF, and NPS under Section 80C. Consider tax-free bonds and debt funds (>3 years) for better post-tax returns.
Emergency Fund
Maintain 6-12 months of expenses in liquid assets before making long-term investments. This provides financial security during unexpected situations.
Inflation Protection
Ensure your investment returns beat inflation (currently ~6% in India). Real returns (nominal returns minus inflation) should be positive for wealth creation.
SIP Calculator (Systematic Investment Plan)
The SIP Calculator helps investors estimate the future value of regular monthly investments in mutual funds.
🔹 Key Features:
- Calculates final maturity amount based on monthly contributions, tenure, and expected return.
- Demonstrates the power of compounding and disciplined investing.
- Ideal for long-term wealth planning like retirement, education, or major goals.
✅ Example:
Invest ₹5,000/month for 15 years at a 12% return, and you could accumulate over ₹25 lakhs.
PPF Calculator (Public Provident Fund)
The PPF Calculator estimates the maturity amount and total interest earned under India’s popular government-backed savings scheme.
🔹 Key Features:
- Calculates based on annual deposits (max ₹1.5 lakh), 15-year lock-in, and prevailing interest rates.
- Reflects compounded annual interest credited at year-end.
- Great for safe, tax-free long-term savings.
✅ Example:
An annual investment of ₹1.5 lakh for 15 years at 7.1% returns can yield ₹40+ lakhs.
FD Calculator (Fixed Deposit)
The FD Calculator computes interest earned and the maturity amount of a fixed deposit, commonly offered by banks and NBFCs.
🔹 Key Features:
- Supports cumulative and non-cumulative FDs.
- Options for various tenures (monthly, quarterly, annually).
- Helps compare interest returns across different banks.
✅ Example:
₹2 lakh FD for 5 years at 6.5% compounded quarterly can return over ₹2.75 lakhs.
ELSS/MF Calculator (Equity Linked Savings Scheme/ Mutual Fund)
The ELSS/MF Calculator shows the estimated value of investments in mutual funds, including tax-saving ELSS options.
🔹 Key Features:
- Works for both lump sum and SIP investments.
- Useful for calculating returns, CAGR, and tax benefits (in ELSS).
- Customizable for different tenures and return expectations.
✅ Example:
₹1 lakh lump sum in ELSS for 10 years at 14% annual return may grow to ₹3.7 lakhs.
Summary Table
| Calculator | Ideal For | Tenure | Tax Benefit |
|---|---|---|---|
| SIP Calculator | Monthly MF investors | Flexible | No (ELSS if applicable) |
| PPF Calculator | Safe long-term savings | 15 Years | Yes (Sec 80C) |
| FD Calculator | Fixed income investors | 7 days–10 yrs | Interest taxable |
| ELSS/MF Calculator | Market-based investments | 3+ Years (ELSS lock-in) | Yes (for ELSS under Sec 80C) |
Investment Growth Chart
The graph provided clearly illustrates the investment growth over 10 years. It is color-coded:
- Blue Bar (Principal): Shows the cumulative investment over time.
- Green Bar (Interest): Indicates the compounding returns earned on both the initial and additional contributions.
Each year shows a consistent increase in both the principal and the interest, reflecting the power of compound interest and disciplined investing.
Year-by-Year Breakdown
Though the full table isn’t shown, it appears below the graph and typically includes:
- Year
- Starting Balance
- Contribution
- Interest Earned
- Ending Balance
This breakdown gives a year-wise snapshot of how contributions and compounding returns grow the portfolio.
How the Calculator Helps
- Goal Planning: Ideal for setting retirement goals, education funds, or other long-term financial targets.2
- Customizable Inputs: Change interest rates, contribution amounts, and frequency to simulate different scenarios.3.
- Visual Clarity: The graph and breakdown help users understand the growth trajectory.
Example Calculation
| Parameter | Value |
|---|---|
| Starting Amount | ₹20,000 |
| Monthly Contribution | ₹10,000 |
| Annual Return Rate | 12% |
| Compounding Frequency | Annually |
| Investment Period | 10 Years |
| Total Investment | ₹1,220,000 |
| Final Maturity Amount | ₹2,302,475.86 |
| Wealth Created (Interest) | ₹1,082,475.86 |
Benefits of Using MasterCalculator.in
- User-Friendly Interface
- Fast, Real-Time Results
- Multiple Investment Tools: SIP, PPF, FD, ELSS/MF calculators.
- Goal Planner Integration
- Mobile & Desktop Compatible
Frequently Asked Question (FAQs)
1. What is the use of the investment calculator?
It helps investors project the future value of their investments, factoring in regular contributions and compounding returns.
2. Can I calculate monthly investments?
Yes, the calculator allows additional contributions on a monthly, quarterly, half-yearly, or yearly basis.
3. What is compounding frequency?
It refers to how often your investment earns interest on interest. Options include annually, semi-annually, quarterly, etc.
4. Is the interest compounded?
Yes, the calculator supports compound interest calculations.
5. How accurate is this calculator?
It provides an estimate based on your inputs. Actual returns may vary depending on market performance.
6. Can this tool help me reach my financial goals?
Yes. By simulating different scenarios, you can choose an investment strategy that aligns with your long-term objectives.
7. What return rate should I use?
Use a realistic average based on your investment type. Equity may offer 10–15%, while fixed income is lower.
8. Can I download the results?
Most calculators, including this one, allow you to save or screenshot your projections for future reference.
9. What if I change the contribution amount?
The calculator instantly updates the results to reflect new contributions.
10. Is it free to use?
Yes, the MasterCalculator.in investment tools are free to use without any registration.