Investment Lab

Net projected value₹54,36,282.34View your analysis ↓

Build your plan

Example inputs to explore. Start simple; open the details when you need them.

Monthly investment

₹

Your starting recurring contribution, before annual increases.Already invested

₹

Capital invested at the start, in addition to the monthly plan.Investment horizon

years

Whole years. All modeled investments are liquidated at the end.Annual return assumption

A scenario you choose, not a forecast or guaranteed return.

Contribution strategy

Annual step-up typeAnnual step-up

Increase from month 13, then every 12 months.Monthly contribution ceiling

₹

Use 0 for no ceiling. This limits affordability as contributions grow.Contribution timing

Return, fees & inflation

Annual rate convention

Effective: monthly factor = (1 + annual return)^(1/12). Nominal: monthly rate = annual rate / 12.

Is your return before or after fund fees?Annual expense drag

Annual fee factor spread geometrically across months. Approximation of expenses, not daily NAV accounting.Annual inflation

Used for purchasing power and a goal entered in today’s money.

Contribution pause

Pause starts in month

month

Months count from 1. Investments continue to grow during a pause.Number of skipped months

months

Use 0 for no pause. The annual step-up calendar keeps moving.

Illustrative exit deductions

Optional assumptions, not a tax-rule calculator. Default deductions are zero. Actual treatment depends on product, purchase dates, and applicable rules.

Exit charge on final value

A one-time percentage of the full final portfolio value.Tax rate on positive gain

Applied once at liquidation, after exit charge and the exemption below.Gain excluded from illustrative tax

₹

A user-entered exemption. No automatic holding-period or legal rules.

Fund a future goal

Target amount

₹

Use 0 to turn off goal planning.Goal amount is expressed in

Net projected value

₹54,36,282.34After your illustrative exit deductions

Contributed capital

₹26,89,427.63Initial capital + recurring contributions

Net investment gain

₹27,46,854.71Net value less contributed capital

In today’s purchasing power

₹26,14,944.76Discounted by 5% inflation

Your wealth over time

Portfolio before exit deductionsCumulative contributions

The curve shows a constant-return scenario before terminal exit deductions. It is not a forecast of market fluctuations.

TURN A TARGET INTO A PLAN

Your goal needs more funding

Target at goal date₹1,03,94,640.9

Projected funding gap₹49,58,358.56

Required starting monthly amount₹19,820.84

Solved using the same step-up, cap, pause, timing, fees, and exit assumptions. This starting amount may increase each year.

What the headline leaves out

Money-weighted annual return9.45%

Accounts for when each contribution enters and all terminal deductions. Equal-month IRR; use actual-date XIRR for realized cash flows.

Annual net growth assumption9.45%

Equivalent annual growth before additional fees: 10.00%. Net of recurring fees, before exit deductions. Real annual growth: 4.24%.

Wealth lost to recurring fees₹2,44,254.21

Includes ₹1,53,087.94 of modeled fees plus their lost compounding. Compared with the same plan without recurring fees.

Final monthly contribution₹19,799.32

Check whether the future step-up is affordable. A pause in the final month can make this zero.

The time needed to double

After recurring fees, before exit deductions7.7 years

After expenses and inflation16.7 years

Constant growth estimates for existing capital, without new contributions or terminal taxes and charges. These are not waiting-time forecasts. For competing deadlines, use Goal Planning ↗.

Compare your decisions

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