Wealth Calculator
Simple wealth growth calculator
Wealth Calculator
Personal FinanceResults
ProjectedWealth Growth Over Time
ChartYear-by-Year Breakdown
Table| Year | Invested | Returns | Total Value |
|---|---|---|---|
| 1 | ₹6,20,000 | ₹71,506 | ₹6,91,506 |
| 2 | ₹7,40,000 | ₹1,67,299 | ₹9,07,299 |
| 3 | ₹8,60,000 | ₹2,90,461 | ₹11,50,461 |
| 4 | ₹9,80,000 | ₹4,44,461 | ₹14,24,461 |
| 5 | ₹11,00,000 | ₹6,33,212 | ₹17,33,212 |
| 6 | ₹12,20,000 | ₹8,61,120 | ₹20,81,120 |
| 7 | ₹13,40,000 | ₹11,33,151 | ₹24,73,151 |
| 8 | ₹14,60,000 | ₹14,54,902 | ₹29,14,902 |
| 9 | ₹15,80,000 | ₹18,32,678 | ₹34,12,678 |
| 10 | ₹17,00,000 | ₹22,73,584 | ₹39,73,584 |
| 11 | ₹18,20,000 | ₹27,85,627 | ₹46,05,627 |
| 12 | ₹19,40,000 | ₹33,77,830 | ₹53,17,830 |
| 13 | ₹20,60,000 | ₹40,60,357 | ₹61,20,357 |
| 14 | ₹21,80,000 | ₹48,44,664 | ₹70,24,664 |
| 15 | ₹23,00,000 | ₹57,43,661 | ₹80,43,661 |
Assumptions and methodology
Transparent calculation notes for Wealth Calculator.
Formula used
The calculator projects wealth by compounding current corpus and recurring investments at the selected return.
Methodology
- Compound starting wealth over the selected time period.
- Add recurring contributions where supported.
- Estimate final wealth, invested amount, and gains.
Core assumptions
- Return rate remains constant.
- Contributions are made as entered.
- No withdrawals occur during the projection.
Not included
- Taxes, fees, inflation, asset allocation changes, and market volatility are excluded unless explicitly modeled.
- Actual wealth outcomes can differ materially.
About Wealth Calculator
Guide1What is a Wealth Calculator?
A Wealth Calculator helps you project the future value of your investments based on your current savings, regular contributions, and expected returns. It provides a comprehensive view of how your wealth will grow over time, taking into account the power of compounding.
Whether you are saving for a specific goal like buying a house, funding education, or building a retirement corpus, a wealth calculator helps you determine if you are on track and how much more you need to invest.
2How Wealth Accumulation Works
Wealth accumulation is driven by three key factors:
- Initial Capital: The amount you start with (lump sum investments, existing savings)
- Regular Contributions: Monthly or annual additions to your investment portfolio
- Rate of Return: The growth rate of your investments, which varies by asset class
The formula for future wealth is a combination of lump sum compounding and annuity (regular contribution) compounding, applied over your chosen time horizon.
3Wealth Growth Formula
Future Wealth = P × (1 + r)^n + M × [((1 + r)^n - 1) / r]
- P = Current invested amount (lump sum)
- M = Regular monthly contribution
- r = Monthly rate of return
- n = Number of months
This formula combines the growth of existing investments with the accumulated value of future regular contributions.
4How to Use This Wealth Calculator
- Step 1: Enter your current savings or investment value
- Step 2: Input your monthly contribution amount
- Step 3: Set the expected annual return and time period
- Step 4: View the projected wealth, contribution breakdown, and growth trajectory