Wealth Growth Calculator
Key takeaways
- Contributions total ₹41.00 L — ₹5.00 L up front plus ₹20,000 a month; growth adds ₹89.89 L, for ₹1.31 Cr after 15 years.
- The starting corpus alone grows to ₹29.98 L; the monthly additions build the other ₹1.01 Cr.
- The combined pot crosses ₹1.00 Cr in Year 14 of 15.
- At 13% instead of 12%, the total would be ₹15.02 L higher (₹1.46 Cr).
Yearly schedule
| Year | Contributed | Growth | Value |
|---|---|---|---|
| 1 | ₹7.40 L | ₹79,599 | ₹8.20 L |
| 2 | ₹2.40 L | ₹1.20 L | ₹11.80 L |
| 3 | ₹2.40 L | ₹1.66 L | ₹15.86 L |
| 4 | ₹2.40 L | ₹2.17 L | ₹20.43 L |
| 5 | ₹2.40 L | ₹2.75 L | ₹25.58 L |
| 6 | ₹2.40 L | ₹3.41 L | ₹31.39 L |
About the Wealth Growth Calculator
The Wealth Growth Calculator projects what a corpus already held grows to when a fixed amount is also added to it every month. It combines a one-time lumpsum and a recurring contribution into a single projection, rather than working the two out separately and adding them by hand.
Enter the corpus held today, the amount added each month, the annual return expected on the combined pot, and the number of years. Both the starting corpus and every monthly addition are compounded at the same rate, every month, for the whole period.
"Future wealth" is the projected combined total at the end. "Total contributed" is your own money in — the starting corpus plus every monthly addition. "Growth earned" is the difference between the two, which is what compounding added on top. The donut splits the final figure into exactly those two parts, and the yearly chart shows the same split building up year by year.
One detail worth knowing: the lumpsum half compounds monthly here, using the same rate and the same number of periods as the monthly additions. The standalone Lumpsum Calculator compounds annually, so the two pages give slightly different figures for the same lumpsum — deliberately, so that both halves of this one combined number share one compounding period. The rate is a single constant assumption; real returns vary year to year.
Frequently asked questions
How is wealth growth calculated?
Future Wealth = C × (1 + i)^n + P × ([(1 + i)^n − 1] ÷ i) × (1 + i), where C is the current corpus, P the monthly addition, i the annual rate ÷ 12 ÷ 100 and n the number of months. The first term is the lumpsum compounding; the second is the standard SIP annuity, on the convention that each month's addition lands and then earns that month's return.
How is this different from the SIP calculator?
The SIP calculator starts from zero and only models the monthly contributions. This one also carries a starting corpus, which is what most people actually have — money already invested, plus more going in each month. Set the corpus to zero and the two agree exactly.
Why does it differ slightly from the Lumpsum calculator?
Because the compounding periods differ. The Lumpsum Calculator compounds once a year; this page compounds monthly so that the lumpsum and the monthly additions share one consistent period. On the same rate and horizon, monthly compounding produces a slightly higher figure.
What happens at a 0% return?
The annuity term's division by the rate is skipped and falls back to the amount times the number of months, and the corpus term reduces to the corpus itself. Future wealth then equals total contributed exactly, and growth earned is zero — visible on the page rather than a divide-by-zero error.
Is the projected figure in today's rupees?
No, it is in future rupees, which buy less than the same number does today. To see the inflation-adjusted worth of the result, put it through the Inflation Calculator on this site alongside this one.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.