INVESTMENT CALCULATOR
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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.