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Investment Calculator
Combined growth of a lump sum plus ongoing monthly additions.
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Frequently asked questions
Is initial + monthly better than pure monthly?
Mathematically yes — initial capital compounds for the full period. If you have savings, deploying a lumpsum plus continuing SIP is the strongest approach.
What return rate is realistic?
Indian equity: 11–13% long-term (20+ years). Balanced (60/40 equity-debt): 9–11%. Debt only: 6–8%. Be conservative in planning.
Does this account for taxes?
No — these are pre-tax returns. After tax, equity mutual fund returns (LTCG 10% above ₹1L/year) typically lose 0.5–1% of CAGR.
What if I miss some months?
Occasional missed contributions barely affect outcomes if the core plan stays intact. Missing 12+ months over a 20-year horizon can reduce corpus by 5–8%.