Investment Calculator
Forecast your portfolio's future value with monthly contributions, step-up SIPs, and inflation-adjusted returns. Compare conservative, balanced, and aggressive scenarios.
Investment Growth Calculator
Final Balance
$512,214.08
Total Contributions
$155,000
Total Interest
$357,214
Effective APY
8.30%
Growth Over Time
Final Balance Breakdown
Key Insights
Time is your biggest asset
Over 25 years, your money grows 102.4 times.
Interest does the heavy lifting
69.74% of your final balance comes from interest, not deposits.
Compounding frequency matters
Compounding monthly gives you an effective rate of 8.30% per year.
Inflation erodes purchasing power
In today's money, your final balance is worth $244,636.30.
Year-by-Year Schedule
Calculations update instantly.
The power of long-term compounding
Investing $500/month at a 9% annual return for 30 years grows to roughly $920,000 — yet only $180,000 of that comes from your contributions. The remaining $740,000 is cumulative interest, generated entirely by leaving the money invested and letting returns compound on themselves.
Realistic return assumptions
- Cash / money market: 2–5% (often less than inflation)
- Bonds (broad index): 3–5% historically
- Diversified stock index: 7–10% nominal historically
- Aggressive growth: 9–12% with much higher volatility
These are historical averages, not guarantees. Use the calculator to stress-test multiple rate scenarios.
Why step-up contributions matter
Setting a static $500/month contribution for 30 years assumes your saving capacity never grows. In reality, raises and inflation push deposits higher each year. Setting a 5% step-up models this and can produce 30%+ more wealth over a long horizon.