See your future wealth

A tool that estimates your future wealth based on current savings, monthly contributions, expected returns, and time horizon. It shows the power of compounding and helps you set realistic financial goals.

It's an estimate based on assumptions. Actual returns vary year to year. Use it as a planning guide, not a guarantee. Conservative assumptions lead to more reliable projections.

For equity-heavy portfolios, 10-12% is reasonable. For balanced portfolios, 8-10%. For debt-heavy portfolios, 6-8%. Be conservative — overestimating returns leads to shortfalls.

Inflation reduces purchasing power. A ₹1Cr corpus in 20 years at 6% inflation is worth only ₹31L in today's money. Always check the inflation-adjusted (real) value.

A step-up SIP increases your monthly contribution annually — typically by 5-10% to match income growth. This dramatically increases your final corpus over long periods.

A common rule is to save 20-30% of your income. The exact amount depends on your goals, time horizon, and current corpus. Use the calculator to work backwards from your target.

Longer is better for compounding. For retirement, 20-40 years. For other goals, at least 5-10 years for equity. The earlier you start, the more you benefit.

Depends on your expenses. A common rule is 25-30x annual expenses. If you spend ₹4L/year, ₹1Cr may suffice. If you spend ₹10L/year, you need ₹2.5-3Cr.

A retirement withdrawal guideline: you can withdraw 4% of your corpus annually, adjusted for inflation, and expect it to last 30 years. It implies a target of 25x annual expenses.

Your home is an asset but not a growth asset. It doesn't produce income and selling means buying another home. Focus your projection on income-producing investments.

Taxes reduce net returns. Equity LTCG is taxed at 10% above ₹1L, debt at your slab rate. Use tax-efficient instruments (ELSS, PPF) and hold long-term for better post-tax returns.

Missing a few payments reduces your final corpus but isn't catastrophic. The key is to resume quickly. Consistency matters more than perfection.

Yes, and you should. As income grows, increase contributions. The step-up feature in this calculator shows how annual increases compound over time.

Equity mutual funds and index funds have historically delivered the best long-term returns. A diversified portfolio with 60-80% equity works for most investors with long horizons.

Annually, or when your income, expenses, or goals change significantly. Regular reviews keep your plan realistic and on track.

Nominal return is the raw return (e.g., 12%). Real return is after inflation (e.g., 12% − 6% = ~6%). Real return tells you how much your purchasing power actually grows.

Yes. Investing ₹15,000/month at 12% for 15 years gives ~₹75L. For ₹1Cr, invest ~₹20,000/month for 15 years, or ₹12,000/month for 20 years. Time and consistency are key.

Lump sum works if you have a large amount and markets are reasonably valued. SIP averages your cost and reduces timing risk. Many investors use a combination.

Compounding means your returns earn returns. Over 20-30 years, this snowball effect is enormous. ₹10,000/month at 12% grows to ₹3.5Cr in 25 years — only ₹30L is your contribution.

Dramatically. Doubling your time horizon can more than triple your final corpus due to compounding. Starting 10 years earlier can mean 2-3x more wealth.

For diversified equity: 10-12% long-term. For hybrid: 8-10%. For debt: 6-8%. For FD: 6-7%. Be conservative — overestimating returns leads to shortfalls.

Keep emergency fund (6-12 months) separate from your wealth projection. It's for safety, not growth. Project only your long-term investments.

Early withdrawals interrupt compounding and may trigger taxes and penalties. Every rupee withdrawn could have grown 3-5x over decades. Avoid touching long-term investments.

Use post-tax return rates. For equity LTCG, reduce ~10% from returns above ₹1L. For debt, use your slab rate. Tax-efficient instruments improve net returns.

The best time was yesterday. The second-best is today. Starting at 25 vs 35 can double or triple your final corpus due to compounding.

Yes. Consistent SIPs in equity funds over 15-25 years can build substantial wealth. Combine with low expenses and a high savings rate for faster results.

Use conservative return assumptions (8-10% instead of 12-15%), account for inflation, and review regularly. A slightly pessimistic projection is safer than an optimistic one.

The lump sum is added to your current corpus at the start and compounds for the full period. It's assumed to be invested at the same return rate as your portfolio.

No. Everything runs in your browser. Nothing is uploaded, tracked, or stored. Your financial figures never leave your device. Download the PDF or take a screenshot to save a record.