Investment Return Calculator
One-time Investment
Monthly Investment
Expected Return Rate (Per annum)
Time Period (in Years)
Amount Invested
₹13,00,000
Cautious (8%)
₹20,57,549
Expected (12%)
₹26,33,976
Optimistic (16%)
₹34,05,859
Amount Invested
Expected Return
Use this free investment return calculator to see the range of values your investments could reach. Enter a one-time amount, a monthly amount or both, the annual return you expect and how long you plan to stay invested. Instead of a single number, the calculator shows a cautious, an expected and an optimistic outcome, because real returns are never certain.
Why plan with a range, not one number
Most calculators assume one fixed return every year, but markets don't work that way. A small change in the return makes a big difference over many years. This calculator shows your expected return together with a cautious case 4% lower and an optimistic case 4% higher, so you can see what you would have if things go better or worse than you hope.
How does the investment return calculator work?
The one-time amount grows with compound interest, compounded once a year:
A = P × (1 + r ÷ 100)t
The monthly amount grows like a SIP, with the monthly rate equal to the annual rate ÷ 12, and each instalment invested at the start of the month:
M = S × ({[1 + i]n − 1} ÷ i) × (1 + i)
Here P is the one-time amount, S the monthly amount, r the annual rate, i the monthly rate, t the number of years and n the number of months. The calculator adds A and M for each of the three rates.
Investment return example
Say you invest ₹1,00,000 once and ₹10,000 every month for 10 years, so ₹13,00,000 in total, and expect a 12% annual return. The expected value is about ₹26,33,976. In the cautious case (8%) it would be about ₹20,57,549, and in the optimistic case (16%) about ₹34,05,859. The gap of more than ₹13 lakh between the two shows why a range is more useful than one number.
How to use this calculator
1. One-time and monthly investment: enter either or both. Set one to zero if you only plan the other.
2. Expected return rate: the yearly return you think is realistic. The cautious and optimistic cases follow from it.
3. Time period: how many years you plan to stay invested. All three results update instantly.
What drives your returns
Time: the longer you stay invested, the more your returns earn returns of their own.
Regular investing: adding money every month builds the amount that compounds and spreads your entry over time.
Costs and taxes: fees and taxes reduce what you keep, so a slightly lower-cost option can add up over the years.
What this calculator doesn't include
All three results are estimates, not promises. Real returns vary from year to year and can be negative, and the actual outcome can fall outside this range. The calculator doesn't deduct fees or tax on gains, and it doesn't adjust for inflation.
Investment return calculator FAQs
Why does the calculator show three results?
Because no one knows future returns. Showing a cautious case (4% below your expected return), your expected case and an optimistic case (4% above) gives you a range to plan around instead of a single number.
Can I use it for a one-time investment and a monthly SIP together?
Yes. Enter a one-time amount, a monthly amount or both. Either can be zero. The calculator adds up how both would grow.
What return rate should I expect?
There is no right number, and past returns do not guarantee future ones. That is why the calculator shows a range around the rate you enter. Use a rate you think is realistic for what you plan to invest in.
How are the returns calculated?
The one-time amount grows with compound interest once a year, and the monthly amount grows like a SIP, with the annual rate divided by 12 and each instalment invested at the start of the month.
Does it include tax and fees?
No. The results are before tax, fees and inflation, so the money you actually keep would be lower.
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