Investment Returns Calculator

Calculate investment returns for lumpsum or SIP for free. Enter principal, return rate, and duration to see total gains. Instant, private, no account.

Investment Details

1,00,000
10,000
12 %
10 Years

Total Value

0

Total Investment

0

Total Gains

0

Investment Schedule (Year-wise)

Year Opening Balance Annual Addition Interest Earned Closing Balance
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Investment Calculator

Investment Returns Calculator

Estimate the future value of your financial investments by calculating annualized returns, compounding growth, and regular deposits.

Local Returns Modeler
STEP 01

Enter Principal

Input the initial capital or starting balance of your investment portfolio.

STEP 02

Set Regular Deposits

Optionally input recurring monthly or annual deposits to accelerate savings.

STEP 03

Select Expected Return

Input the estimated annual rate of return percentage expected from the assets.

STEP 04

Define Term Length

Provide the duration tenure in years or months to project future wealth.

Your Privacy Matters

All processing stays in your browser

No Server Uploads

Files never leave your device

Auto-Cleared

Data removed when you close

Capabilities

Investment Returns Features

Growth Analytics

Compounded Growth Projections

Estimates final investment balances using custom compounding frequencies.

Periodic Saving Simulation

Supports adding recurring monthly or yearly contributions to model dollar-cost averaging.

Annual Growth Tables

Displays year-by-year principal deposits, absolute earnings, and closing balances.

Inflation-Adjusted Projections

Optionally adjusts the final maturity corpus to show future purchasing power in today's real terms.

100% Client-Side Privacy

Your investment capital, savings contributions, expected return rates, and terms are processed entirely locally inside your browser memory sandbox. We guarantee offline execution with zero server uploads.

Support

Common Questions Answered

Quick help
Q1 How is the future value of an investment calculated?
Future value (FV) is calculated using compound growth equations. The calculator takes the starting principal capital, models any added recurring periodic contributions (monthly or annual additions), and compounds them over time at your expected annual rate of return.
Q2 What is a realistic rate of return for financial asset projections?
Historically, long-term stock market index funds average a nominal 8% to 10% annual return (or 6% to 8% inflation-adjusted). Government bond yields typically average 3% to 6%, while standard banking savings accounts hover between 1% and 4%.
Q3 How does compounding frequency affect my final investment returns?
Compounding frequency determines how often interest is calculated and added back to the investment principal. More frequent compounding (e.g., monthly vs. annually) accelerates growth, as interest earns additional interest faster.
Q4 Can the calculator adjust future values for inflation?
Yes, our calculator includes a toggle to deflate the final projected corpus balance by a specified inflation rate. This lets you view the real purchasing power of your investment in today's cash equivalent terms.
Q5 Are my investment balances or expected return figures stored?
Absolutely not. All investment returns calculations and compounding math are run locally within your browser sandbox. None of your inputs are saved or transmitted over the network.