Investment Calculator: Calculate Investments Return Online

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Investment Calculator

Investment Amount

₹ 1000

₹ 1,00,000

Time Period

1 Year

30 Years

Expected Return

13%

Invested Amount

Future Value

Returns

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Investment Calculator: Overview

An investment calculator is a digital tool that can be a value-add to your financial toolkit. Used to estimate the potential returns on an investment, the tool requires a few basic inputs like your investment amount, duration and expected return rate.
Whether you are investing towards a specific financial goal or just exploring ways to potentially grow your wealth, an investment estimator can simplify the planning process for you.

In this way, investment return calculators can help you make informed decisions about your strategy by tweaking the various variables. What’s more, quick and easy to use this investment calculator online.

List of mutual fund schemes for investments

	Minimum Investment amount
Bajaj Finserv Flexi Cap Fund	₹500	Invest Now
Bajaj Finserv Large Cap Fund	₹500	Invest Now
Bajaj Finserv Large and Mid Cap Fund	₹500	Invest Now
Bajaj Finserv Balanced Advantage Fund	₹500	Invest Now
Bajaj Finserv Multi Asset Allocation Fund	₹500	Invest Now

What Is an Investment Calculator?

Put simply, an investment calculator helps you project the potential final value of your investment – be it in a mutual fund, stocks, recurring deposit or another avenue – based on a monthly investment amount, tenure and the rate of return you expect.

However, the true investment calculator meaning goes beyond just the return projections it offers you. The tool is also capable of helping you plan your financial goals by simulating different options. For instance, you can change the investment amount, duration or return rate to see how these variables impact your estimated final corpus. Based on this, you can develop your strategy.

In this way, the investment growth calculator can simplify financial planning for you and help you take more informed decisions.

Whether you’re a beginner or a seasoned investor, this tool can help align your investment plans with your financial objectives.

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Types of Investment Calculators

Once you are clear on the definition of an investment calculator, you can begin to explore the diverse types of calculators that exist. One of the most common investment calculators is an SIP investment calculator. A SIP investment calculator helps you visualise how your SIP could potentially work out for you in the future. Additionally, you also have various goal-based investment calculators.

Each of these tools serves a unique purpose in helping you make projections and finetune your investment strategy.

Investment Calculation Formula

The exact formula used by an investment calculator can vary depending on the functionalities it offers. However, all calculators that assume compounded growth will likely be built on the compound interest formula, which is as follows:

FV = P × {[(1 + r)^n – 1] / r} × (1 + r)
Where: FV = Future Value of Investment
P = Principal amount invested per period
r = Rate of return per period (monthly)
n = Total number of payments

This formula demonstrates how to calculate investment return factoring in the power of compounding. Understanding the investment calculation formula enables better financial planning and helps you stay on track toward achieving your long-term financial goals.
It's essential to note here that the calculator’s estimates are based on your inputs. Moreover, the tool assumes a fixed rate of return throughout your tenure. If you’re investing in mutual funds or other market-linked investments, returns depend on market conditions and typically fluctuate. Hence, you must use the investment calculator only as a planning assistant. There is no assurance that the estimates projected by the calculator will be achieved.

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How to Use the Investment Calculator?

To use this online investment calculator, here are the steps:

Start by entering the monthly investment amount.
Select the expected annual rate of return.
Choose the investment duration (in months or years).
Click “Calculate” to view results such as future value and total returns.
Adjust inputs to compare scenarios and refine your strategy.
Use these insights to align your investment with specific financial goals.

Here are some tips to use investment calculator: Choose a suitable investment amount based on your cash flow and budget, set realistic return estimates and align your investment horizon with your goal.

Based on this analysis, input your data and see instant results.

Parameters Involved in an Investment Calculator

An investment calculator works by considering several key parameters to provide you with an estimate of your investment's potential growth. Here are the elements of an investment calculator:

Investment amount: This is the sum you plan to invest, either as a lumpsum or as periodic contributions (such as a monthly SIP).
Investment tenure: The period for which you intend to stay invested. The longer the horizon, the more the potential impact of compounding on your investment
Expected rate of return: An estimated annual rate at which you anticipate your investment to grow. (Actual returns may vary depending on market conditions).
Future Value: The calculator projects the potential size of your corpus and the investment growth at the end of your tenure.

Adjusting these variables lets you simulate different scenarios and helps you identify how much you may need to invest or how long to stay invested to potentially reach your goal.

How Does Investment Calculator Work?

An investment calculator works by applying a formula to project the potential value of your investments over a given period of time. The variables you input include your investment amount, rate of return and your investment duration.
The calculator then uses these inputs, applies a formula, and does the investment calculation.
The underlying concept of such an investment calculation is compounding, in which your returns get reinvested and go on to potentially earn further returns. This helps your money grow at an accelerated pace with time. Let’s see this with an example.
Let’s assume you invest Rs. 5,000 a month in a hybrid fund where you expect returns of 10% a year. Let’s see how that money may grow over different tenures.

SIP amount	Return rate	Tenure	Invested amount	Final value
₹5000	10%	2 years	₹1,20,000	₹1,33,337
₹5000	10%	5 years	₹3,00,000	₹3,90,412
₹5000	10%	10 years	₹6,00,000	₹10,32,760
₹5000	10%	20 years	₹9,00,000	₹20,89,621

As can be seen, the potential growth rate picks up with time and over 20 years, your final corpus is more than double your investment amount.

*Example is for illustrative purposes only.

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Advantages of Investment Calculators

Here are some of the pros of investment calculators:

One of the key benefits of online investment calculator is its potential to help with better financial planning.
It provides instant results and allows you to adjust your inputs to evaluate various investment scenarios.
This can give you data-driven insights to support you in your investment journey.
It can also help you map your investment strategy to long-term objectives.
Even after you invest, you can use the calculator from time to time to see if your corpus is moving in line with your goals.

Investment Calculators for Different Financial Plans

Bajaj Finserv AMC offers a wide range of online calculators that cater to varied investment needs and goals. Here’s an overview of the main calculator types that can help you plan, track, and optimise your investment journey:

SIP and Wealth Creation Calculators

SIP Calculator: Projects the future value of regular monthly investments in a mutual fund, helping you estimate how disciplined investing can build potentially build wealth over time.
SIP Top-Up Calculator: Calculates how increasing your SIP investment periodically may help you potentially achieve your goals faster. It may be useful for investors whose incomes or savings are expected to grow with time.
Wealth SIP Calculator: Helps you plan your investments and withdrawals using Bajaj Finserv AMC’s Wealth SIP facility, which allows you to initiate SIPs for current investing and SWPs for future withdrawals through a single application.
Compounding Calculator: Projects how money may grow over time when realised returns are reinvested, enabling you to see the power of compounding in your investment strategy.

Goal Calculators

Dream Home, Car Calculator, Child Education Calculator: Each tool helps you estimate how much to invest and for how long to potentially reach milestones like buying a new house, car, or funding your child’s education. These calculators factor in your current savings, desired goal amount, expected returns and investment horizon.
Retirement Calculator: Estimates how much to invest to build a suitable retirement corpus, factoring in inflation, expected returns, desired retirement corpus size and tenure.

Investment Calculators

Lumpsum Calculator: This calculator helps you estimate the potential growth of a lumpsum investment over several time.
STP (Systematic Transfer Plan) Calculator: Calculates how regular transfers from one mutual fund to another (usually from debt to equity) may potentially grow your investments.
SWP (Systematic Withdrawal Plan) Calculator: Helps you plan gradual withdrawals from your fund, useful for creating a regular income stream while still earning potential returns on remaining investments.

Other tools:

Income Tax Calculator: Estimates tax liability based on your income, investments, and applicable deductions—useful when planning investments under tax-saving options.
ELSS Calculator: Specially designed for Equity Linked Savings Scheme investments, this calculator projects both potential returns and tax that may be saved.
Simple Interest Calculator: Calculates potential growth on savings that earn simple interest.
CAGR Calculator (Compound Annual Growth Rate): Shows the average annual growth rate of your investment during a given period, making it easier to compare and evaluate performance across different funds.
XIRR Calculator: Useful for SIPs and multiple deposits/withdrawals, XIRR reflects the annualised return on your investment over a given period. It is more suitable than CAGR for staggered contributions.

Why is it Important to Invest?

Investing is important because it potentially helps your money work for you instead of lying idle. Here are a few ways in which that may happen:

Inflation-beating returns: Inflation reduces your money’s real value over time. Investments in growth-oriented avenues like equity-oriented mutual funds have the potential to generate returns that outpace inflation over time.
Tax Benefits: Some investments, such as the ELSS, offer certain tax benefits.
For Potential Wealth Creation: Systematic and disciplined investing may help you build wealth over time by leveraging the power of compounding and accessing the growth potential of the market. This can help you work towards goals such as buying a house, funding your child’s education, or planning for retirement.
For Potential Financial Security: Investments can offer a financial cushion, helping you handle emergencies or unexpected expenses.
For Peace of Mind: Investing with a clear plan can help reduce stress about your financial future.

With disciplined planning and the use of investment calculators, you can align your investments with your financial goals.

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Frequently Asked Questions (FAQs)

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To calculate your potential investment returns through an online investment calculator, you can start by inputting the monthly investment amount, expected return rate and the investment time.

You can use an investment calculator at multiple points of your financial journey. With its help, you can not only plan your goals and evaluate investment options but also assess if you are on track to potentially achieving your target.

To understand how you can reach Rs. 1 crore by investing Rs. 5,000 monthly, you can use the calculator to estimate the rate of return and duration needed to potentially achieve that amount. For instance, if we assume you are investing in an equity mutual fund where you expect to earn 12% per annum, the investment calculator will show you that you need an investment horizon of approximately 29 years.

Example for illustrative purposes only. There is no assurance that the calculator’s projections will be achieved.

It is not essential to use an investment calculator. Whether you use one or not, your money will continue to move as per market conditions and the fund’s investment strategy. However, using this tool can offer you insight into your potential returns, which can help you set realistic expectations, identify a suitable investment amount, horizon or avenue and approach your financial journey with a detailed vision.

When investing with an objective like retirement in mind, you need to input your planned monthly investment amount, expected rate of return and investment horizon. If the calculator’s estimates are not in line with your goal, you can adjust the inputs till you arrive at the combination that suits your needs.

To use an investment calculator effectively, you need factors like your investment amount, expected return rate and investment duration.

Yes, there are various investment calculators for mutual funds and stocks. Most of these are freely available online.

Whether you choose to invest in the stock market or save money in a traditional avenue like a bank account or a bank deposit is a personal decision. Market-linked investments offer higher growth potential in the long term but entail higher risk. Traditional avenues offer stability, but their returns may not outpace inflation over time.

However, if you wish to get a more detailed view, you can use an investment calculator to estimate the potential long-term growth of your investments in different avenues. For example, you can use an expected return rate of 12% to see the potential size of your final corpus if you were to invest in an equity mutual fund. You can then use the prevailing recurring deposit rate of your bank (say, 6%) to estimate those returns.

An investment calculator is a digital tool that estimates the future value of your investments based on basic inputs like amount, duration, and expected return. It simulates potential growth using principles such as compounding, helping you plan and make more informed investment decisions.

Common types include SIP calculators, lumpsum calculators, wealth calculators, retirement calculators, and compounding calculators, each tailored to specific investment strategies and objectives.

You generally need your planned investment amount (monthly or lumpsum), investment tenure (time period), and an expected annual return rate. Additional details like compounding frequency or step-up increments may also be required in some calculators.

It enables you to project potential returns instantly, compare different scenarios, and refine your budget and investment strategy, leading to more informed decision-making. However, the results shown in these calculators are estimates, not guarantees. Actual returns are not guaranteed and depend on market conditions.

Yes, investment calculators are generally safe as they only require non-personal information and do not process actual transactions. For privacy, use reputable sites and avoid entering confidential personal data.

An investment calculator can help you compare how different amounts, durations, and rates of return could shape your outcomes. While calculators can aid the planning process, always pair them with professional advice and thorough research before making any investment decision.

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Disclaimer: The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj Finserv AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.

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Go to the top

Investment Calculator

Explore Our Mutual Fund Schemes

Investment Calculator: Overview

List of mutual fund schemes for investments

What Is an Investment Calculator?

Types of Investment Calculators

Investment Calculation Formula

How to Use the Investment Calculator?

Parameters Involved in an Investment Calculator

How Does Investment Calculator Work?

Advantages of Investment Calculators