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Advanced investment calculator with Monte Carlo simulation, risk analysis, scenario comparison, and goal tracking. Plan your financial future with professional-grade analytics.
Professional-grade calculations with CAGR, Sharpe Ratio, and risk metrics
Set financial goals and track progress with visual indicators
Run 1000+ scenarios to understand investment uncertainty
Compare multiple investment strategies side-by-side
Input your starting capital or lump sum amount (e.g., ₹1,00,000).
Enter how much you plan to invest regularly each month (e.g., ₹5,000).
Select your expected annual return rate based on investment type (8-15% typical).
View detailed projections, risk metrics, and scenario comparisons to make informed decisions.
High growth potential with higher volatility. Best for long-term wealth creation and aggressive investors.
Professionally managed diversified portfolios. Balanced risk-reward for most investors.
Lower risk fixed-income investments. Ideal for conservative investors and capital preservation.
Property investments with rental income. Long-term appreciation with moderate liquidity.
Hedge against inflation and currency fluctuations. Portfolio diversification asset.
Diversified across asset classes. Balanced approach for risk-adjusted returns.
Add one-time investments at specific years (bonuses, inheritance, etc.)
Automatically increase monthly contributions annually to match salary growth
Plan retirement income with systematic withdrawal planning (SWP)
Factor in fund management charges for accurate net return calculations
Calculate dividend income and compare reinvestment vs cash options
Volatility, max drawdown, Sharpe ratio, and downside deviation metrics
Run 1000+ scenarios to see probability distribution of outcomes
Set aside a percentage as liquid emergency reserve
Adjust for taxes and inflation to see real purchasing power
Calculate simple & compound interest
Detailed compound interest analysis
Calculate return on investment
Plan your savings goals
Plan for retirement
Systematic Investment Plan calculator
Fixed deposit returns
401K retirement planning
IRA investment calculator
Time is your greatest asset. Starting 5 years earlier can double your retirement corpus. Consistency beats timing - invest regularly regardless of market conditions.
Don't put all eggs in one basket. Spread investments across stocks, bonds, real estate, and gold. Diversification reduces risk while maintaining growth potential.
As your income grows, increase investments by 5-10% yearly. This accelerates wealth building and helps beat inflation without feeling the pinch.
Disclaimer: This calculator provides estimates based on the inputs you provide. Results are for educational and planning purposes only and should not be considered financial advice. Actual investment returns may vary significantly due to market conditions, fees, taxes, and other factors. Consult with a qualified financial advisor before making investment decisions.
Our investment calculator uses industry-standard formulas and best practices. For more information about investment strategies and financial planning, consult these authoritative sources:
Official regulatory guidance on investments and mutual funds
Comprehensive investor education and protection resources
Monetary policy and interest rate information
Educational resources on investment concepts and strategies
Independent investment research and fund analysis
Clean, intuitive design with 6 comprehensive tabs for complete analysis
Perfect experience on mobile, tablet, and desktop - calculate anywhere
1000+ scenario simulations - most calculators don't offer this advanced feature
Sharpe ratio, max drawdown, volatility analysis - professional-grade analytics
Set targets, track progress, get recommendations - unique to our calculator
Compare unlimited investment strategies side-by-side with visual charts
Add multiple one-time investments at different years - rarely found elsewhere
Automatic annual increase in contributions - matches real-world salary growth
Systematic withdrawal planning for retirement income - comprehensive feature
Track dividends separately and compare reinvestment strategies
Maintain liquid reserves while investing - holistic financial planning
Instant updates as you adjust inputs - no waiting or page reloads
Build a corpus for comfortable retirement
Save for children's higher education
Accumulate funds for dream home
Save for wedding expenses
Plan for car or vehicle purchase
Save for international travel
Build startup or business funds
Long-term wealth accumulation
Risk Level: Low
Expected Return: 6-9%
Asset Mix: 70% Bonds, 20% Stocks, 10% Gold
Best For: Risk-averse investors, near retirement, capital preservation
Risk Level: Moderate
Expected Return: 10-13%
Asset Mix: 50% Stocks, 30% Bonds, 20% Others
Best For: Most investors, balanced risk-reward, medium-term goals
Risk Level: High
Expected Return: 15-20%
Asset Mix: 80% Stocks, 15% Mutual Funds, 5% Others
Best For: Young investors, long-term horizon, high risk tolerance
Calculates the actual annualized return considering all cash flows including monthly contributions. Unlike simple CAGR, XIRR accounts for the timing and amount of each investment, giving you the true rate of return for SIP-style investments. This is the most accurate metric for evaluating investment performance with regular contributions.
Risk-adjusted return metric. Compares excess return to volatility. Ratio above 1.0 is good, above 2.0 is excellent. Helps evaluate if returns justify the risk taken.
Largest peak-to-trough decline. Shows worst-case scenario loss. Lower drawdown indicates more stable investment. Important for understanding downside risk.
Actual purchasing power after accounting for inflation. If you earn 12% but inflation is 6%, real return is ~6%. Always consider real returns for long-term planning.
Start using our advanced investment calculator now and take control of your wealth building journey.
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