What is the Investment Calculator?
See what regular monthly investing (SIP / DCA) can grow to at an expected annual return. Money decisions are easier when you can see the numbers. Our finance calculators use the same standard formulas banks and financial planners use — amortization, compound interest and present-value math — so you can compare options before you commit.
How to use the Investment Calculator
- Enter your monthly investment, your expected annual return, your years.
- Results update automatically as you type; you can also press Calculate.
- Read the output: future value, total invested, estimated gains.
- Use the 📊 chart to see the result visually, then copy or share it.
Formula and method
Worked example
With monthly investment = $500, expected annual return = 8 %, years = 20 years, the Investment Calculator returns future value: $294,510.21; total invested: $120,000.00; estimated gains: $174,510.21.
Tips for better results
- Compare at least two scenarios (for example, a 15- vs 30-year term) before deciding.
- Small rate differences compound: a 0.5% lower rate can save thousands over a long loan.
- Results are estimates; your lender’s fees, taxes and exact day-count rules may change the final figure.
⚠️ These results are for educational purposes and are not financial advice. Confirm figures with your lender or a licensed financial professional before making decisions.
Frequently asked questions
What does the Investment Calculator do?
See what regular monthly investing (SIP / DCA) can grow to at an expected annual return.
How is it calculated?
The Investment Calculator uses this method: FV = C × ((1 + i)^n − 1) ÷ i, with i = monthly rate, n = months.
Can you show an example?
With monthly investment = $500, expected annual return = 8 %, years = 20 years, the Investment Calculator returns future value: $294,510.21; total invested: $120,000.00; estimated gains: $174,510.21.
Is the Investment Calculator accurate?
It uses standard published formulas and is tested against known values, but results are estimates for guidance. These results are for educational purposes and are not financial advice. Confirm figures with your lender or a licensed financial professional before making decisions.
Is this tool free and private?
Yes — the Investment Calculator is completely free with no sign-up, and it runs entirely in your browser, so the values you enter are never uploaded to our servers.
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