Financial Tools
Investment Calculator
Calculate the future value of your investments. Model lump-sum deposits and monthly contributions with any expected rate of return.
Final Portfolio Value
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Total Invested
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Total Returns Earned
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Return Multiplier
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Understanding Investment Returns
Our Investment Calculator projects your portfolio value using compound annual growth. It's perfect for modeling stock market investments, mutual funds, SIPs, ETFs, and any other asset with a predictable annual return rate.
Historical Average Returns by Asset Type
- S&P 500 (US Stock Market): ~10% annually over the long term (before inflation). One of the most recommended benchmarks for long-term investors.
- Indian Nifty 50: ~12-13% average annual return historically. Higher volatility but strong long-term growth.
- Mutual Funds (Equity): Varies by fund. Top-performing funds have delivered 15-18% over 10+ years.
- Bonds / FD: 5-8% annually. Lower risk but lower potential reward.
📈 The Power of Time in Investing
Warren Buffett made 99% of his wealth after age 50 — not because his returns got better, but simply because he started early and let time work. Starting at 25 vs. 35 with the same monthly investment at 10% return can make a difference of millions of dollars by retirement age.
Frequently Asked Questions
Standard return models show nominal future value. To understand your true purchasing power in the future, you should subtract the estimated average inflation rate (e.g., 2-3%) from your expected ROI%.
Historically, over the last century, the S&P 500 index has returned around 10% annually before inflation. Adjusting for 3% inflation, the 'real' return averages close to 7% per year.
Stock market and ETF returns compound effectively on an annual/monthly basis based on dividend reinvestment (DRIP) and market growth. Daily compounding is usually reserved for specific high-yield savings products.