INVESTMENT CALCULATOR


$


%


$


Y

Monthly Payment

Number of Payments

Total Payments

Total Interest

Total Interest:
Principal Amount:
Total Amount:

What is Toolerz Investment Calculator?

Toolerz Investment Calculator is a tool designed to calculate the potential growth of an investment over a specified period of time.

The tool uses key inputs like the amount invested, rate of return, and time period to project future returns.

Whether you are planning a SIP or a lumpsum investment this investment calculator simplifies the entire process.

How to Use Our Investment Calculator

Our Investment Calculator is user-friendly and easy to operate. Follow these simple steps to calculate your investment returns:

  • Visit the Investment Calculator page on Toolerz (search for the tool on the home page).
  • Enter the initial investment amount: This is the lump sum you plan to invest or the first payment of your SIP.
  • Input the monthly investment (for SIPs): If you're using a systematic investment plan, enter the amount you will contribute monthly.
  • Choose the time period: Select the number of years or months for which you plan to invest.
  • Expected rate of return: Enter the annual interest rate of interest(e.g., 10%, 12%, 15%) depending on the type of investment.
  • Click on Calculate: The tool will instantly display the projected returns.

Benefits of Our Investment Calculator

Here are the top benefits of our Investment Calculator:

  • User-Friendly Design: The interface is easy to operate, and requires minimal effort to enter data and calculate returns.
  • Versatile: Supports both SIP and lump sum calculations, providing flexible options for all kinds of investors.
  • Accurate Results: Our calculator provides 100% accurate results.
  • Free Tool: Our tool is completely free to use.
  • Cross-Platform Accessibility: It’s mobile-friendly and can be accessed across multiple devices, so you can plan your investments anytime, anywhere.

SIP Investment Calculator

A Systematic Investment Plan (SIP) Calculator is a tool that helps you determine the future value of your SIP investments over a given period of time, based on a fixed monthly investment and an expected rate of return.

SIPs are popular because they allow investors to invest small amounts regularly rather than committing a large lump sum.

Our tool can be used as an SIP Investment Calculator.

What if I Invest 3000 Rupees a Month?

If you invest ₹3,000 per month in a SIP for 10 years with an expected annual return of 12%, your future returns can be calculated using our SIP calculator.

Let us check the expected returns:

  • Monthly Investment: ₹3,000
  • Time Period: 10 years (120 months)
  • Expected Rate of Return: 12% per annum

The future value of your investment can be calculated as:

After calculation using our tool, the projected future value of investing ₹3,000 per month for 10 years at a 12% annual return would be approximately ₹6,98,000.

This shows the power of compounding in wealth creation.

What is the 15x15x15 Investment Rule?

The 15x15x15 rule is a popular investment principle in the Indian financial market.

It suggests that if you invest ₹15,000 per month in a SIP for 15 years with an expected return of 15%, you could accumulate a corpus of ₹1 crore.

Here’s how it works:

  • Investment: ₹15,000 per month
  • Investment Duration: 15 years (180 months)
  • Expected Return: 15% per annum

Using our SIP calculator, the projected future value would be ₹1 crore or more, depending on the actual returns.

The 15x15x15 rule is a simple yet effective guideline for long-term investors aiming to build a significant wealth corpus.

How to Invest ₹1,00,000?

If you have a lump sum of ₹1,00,000 to invest, you can use our Investment Calculator to explore different investment options and their potential returns.

Here is a procedure on how to use it:

  • Enter ₹1,00,000 as the initial investment in the calculator.
  • Select the investment horizon, for example, 10 years.
  • Enter the expected rate of return: Let’s assume 12% annually.

Using the formula for compound interest:

After calculation, the future value of your ₹1,00,000 investment at a 12% annual return for 10 years would be approximately ₹3,10,000.

SIP Investment Returns for a Monthly Investment of ₹5,000 for 25 Years at 15% Interest

Let’s create a table illustrating the SIP returns for a monthly investment of ₹5,000 over 25 years at a 15% interest rate:

Year Total Investment (₹) Future Value (₹)
5 ₹3,00,000 ₹4,17,630
10 ₹6,00,000 ₹13,97,000
15 ₹9,00,000 ₹36,10,000
20 ₹12,00,000 ₹85,00,000
25 ₹15,00,000 ₹1,91,00,000

As you can see, by investing ₹5,000 every month for 25 years at a 15% rate of return, you could potentially accumulate ₹1.91 crore.

This showcases the incredible power of consistent SIP investments over time.

Frequently Asked Questions

Q1: What is the minimum investment amount I can input into the Investment Calculator?

Ans: You can start with any amount, even as low as ₹100, depending on your investment goals, there is no such limit.

Q2: Can I use the calculator for different investment types like bonds or stocks?

Ans: Yes, the calculator works for various investment types as long as you input the relevant interest rate and time period.

Q3: Does the calculator adjust for inflation?

Ans: No, our calculator provides nominal returns. You need to enter it manually.

Q4: Can I adjust the compounding frequency in the Investment Calculator?

Ans: Yes, our calculator allows you to choose different compounding frequencies, such as annual, semi-annual, quarterly, or monthly, to suit your specific investment scenario.

Q5: How accurate are the results provided by the calculator?

Ans: The accuracy of the results depends on the inputs you provide, such as the interest rate, investment period, and contributions. The calculator gives 100% accurate results.

Q6: Can I use the calculator to compare different investment options?

Ans: Absolutely. You can input different scenarios to compare various investment strategies, such as lump sum versus SIP, or different rates of return.

Q7: How does the calculator handle withdrawals or partial redemptions?

Ans: Our Investment Calculator assumes a continuous investment with no withdrawals. You would need to adjust for withdrawals separately based on the impact on your principal and returns.

Q8: Can I save my calculation results for future reference?

Ans: Currently, the calculator does not support saving the results.

Q9: Does the calculator account for inflation?

Ans: No, our calculator provides nominal returns. To account for inflation, you would need to adjust your input values.