Skip to main content
Wealth Planner
Personal Finance

Wealth Calculator Pro

Multi-asset wealth projection calculator

Private
Instant
Estimate
Portfolio value₹1,33,12,969
Total returns₹87,12,969

Inputs

₹10,00,000
in rupees

₹20,000
in rupees

15 years
in years

Asset allocation

Total: 100%

Results

Portfolio value
₹1,33,12,969
After 15 years
Portfolio value₹1.33 Cr
Share of final value
  • Equity60% invested → 70% of final value70%
  • Debt25% invested → 17% of final value17%
  • Gold15% invested → 13% of final value13%
Total invested
₹46,00,000
Total returns
₹87,12,969
Equivalent single return
10.56%
Starting mix average: 10.3%
Each asset grows at its own rate and the portfolio isn't rebalanced, so faster-growing assets take a bigger share over time.

Per-asset breakdown

Invested, returns and final value for each asset class

Per-asset breakdown
AssetAllocationInvestedReturnsFinal value
Equity60%₹27,60,000₹65,79,051₹93,39,051
Debt25%₹11,50,000₹11,33,814₹22,83,814
Gold15%₹6,90,000₹10,00,104₹16,90,104
Total100%₹46,00,000₹87,12,969₹1,33,12,969

Portfolio growth over time

The portfolio value and the money invested at the end of each year, from the lump sum invested Today.

₹10,00,000 today grows to ₹1,33,12,969 after 15 years, on ₹46,00,000 invested.
₹10,00,000 today grows to ₹1,33,12,969 after 15 years, on ₹46,00,000 invested.

Year-by-year breakdown

Year-by-year breakdown
YearTotal valueInvestedReturns
Year 1₹13,56,840₹12,40,000₹1,16,840
Year 2₹17,52,307₹14,80,000₹2,72,307
Year 3₹21,90,763₹17,20,000₹4,70,763
Year 4₹26,77,079₹19,60,000₹7,17,079
Year 5₹32,16,695₹22,00,000₹10,16,695
Year 6₹38,15,690₹24,40,000₹13,75,690
Year 7₹44,80,853₹26,80,000₹18,00,853
Year 8₹52,19,776₹29,20,000₹22,99,776
Year 9₹60,40,943₹31,60,000₹28,80,943
Year 10₹69,53,839₹34,00,000₹35,53,839
Year 11₹79,69,076₹36,40,000₹43,29,076
Year 12₹90,98,521₹38,80,000₹52,18,521
Year 13₹1,03,55,451₹41,20,000₹62,35,451
Year 14₹1,17,54,724₹43,60,000₹73,94,724
Year 15₹1,33,12,969₹46,00,000₹87,12,969

Recommended from this result

Next tools

Wealth Calc

Compare with a single-return projection of the same plan.

Open calculator

Expense Ratio

See what fund costs take from each part of the mix.

Open calculator

Net Worth

Add this portfolio to the rest of your balance sheet.

Open calculator

Assumptions and methodology

Transparent calculation notes for Wealth Calculator Pro.

Methodology notes

Formula used

Per-asset compounding, summed
Value = sum of [Li x (1 + Ri)^Y + Mi x ((1 + ri)^n - 1) / ri x (1 + ri)], Li = lump sum x allocation i, Mi = monthly x allocation i, ri = Ri / 12, n = 12 x Y

Each asset's lump-sum share compounds once a year at its expected return. Its monthly share uses the SIP Calculator's convention: 12% is split into 1% a month, about 12.68% a year once compounded. The portfolio is not rebalanced. Method updated October 2026: lump sums now compound once a year, matching the Lumpsum calculator.

Methodology

  • Split the lump sum and monthly investment by your allocation (scaled to 100% if needed).
  • Grow each asset's lump-sum share yearly at its expected return.
  • Grow each asset's monthly share monthly at one-twelfth of its return, invested at the start of each month.
  • Add the assets and solve the equivalent single return: the one expected return that gives the same total in the Wealth Calculator.

Core assumptions

  • Each asset's expected return stays constant.
  • Monthly contributions stay the same; there is no step-up.
  • The portfolio is not rebalanced, so the mix drifts toward faster-growing assets.

Not included

  • Taxes, fund expenses, exit loads, inflation and market volatility are not modelled.
  • Use XIRR for actual portfolio performance with dated cash flows.

About Wealth Calculator Pro

Guide

1What is the Wealth Calculator Pro?

The Wealth Calculator Pro projects a portfolio split across several asset classes. Enter a lump sum, a monthly investment and the time period, then give each asset class a share of the money and an expected annual return. Each class grows at its own rate, so you can see what each one contributes.

2How the projection works

The lump sum and the monthly investment are split in the allocation you enter. Each asset's lump-sum share compounds once a year at its expected return; its monthly share is invested at the start of each month and grows at one-twelfth of that return per month (the same method as the Lumpsum and SIP calculators).

The portfolio is not rebalanced, so assets with higher returns end up as a bigger share than their starting allocation. The equivalent single return is the one expected return, rounded to 2 decimals, that gives about the same final value in the Wealth Calculator.

Method updated October 2026: lump sums now compound once a year, matching the Lumpsum calculator.

3How to Use This Calculator

  • Step 1: Enter the lump sum, the monthly investment and the number of years
  • Step 2: Add or rename asset classes, and give each one an allocation (the total should be 100%) and an expected return
  • Step 3: Read the per-asset breakdown and the equivalent single return

4What this calculator does not model

Step-up contributions, inflation-adjusted values, taxes, fund expenses, rebalancing and returns that change over time are not modelled. Use the Step-up SIP calculator for rising contributions and the Inflation calculator to see the result in today's money.

Frequently Asked Questions

FAQ
How is this different from the Wealth Calculator?
The Wealth Calculator uses one expected return for all your money. Wealth Calculator Pro splits the money across asset classes, each with its own expected return.
What expected return should I use for each asset class?
Use long-run assumptions, after fund costs, that you are comfortable with. The defaults are 12% for equity, 7% for debt and 9% for gold. These are assumptions, not guarantees.
Why doesn't the final mix match my allocation?
The portfolio is not rebalanced, so assets with higher expected returns grow into a bigger share. With the defaults, equity starts at 60% of the money and ends at about 70% of the value after 15 years.
What is the equivalent single return?
The equivalent single return is the one expected return, rounded to 2 decimals, that gives about the same result in the Wealth Calculator: 10.56% at the defaults, versus a 10.3% allocation-weighted average of the starting mix. It is a planning figure, not the XIRR of real, dated cash flows.