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Disclaimer:

The values shown here are only for illustration.
The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

Understand how to plan for your financial goals with the investment calculator. The easy-to-use tool empowers you to plan your investments, estimate returns, and navigate the world of financial security. Investment Calculator by HDFC Life helps you to understand the impact of delaying your Systematic Investment by certain year(s). It helps in simplifying the decision in when to invest get more returns.

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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What is an Investment Calculator?

What is an Investment Calculator?

Irrespective of whether you are planning to get started with investing or are an experienced investor, an investment calculator will help you achieve your desired financial goals. An investment calculator is a simple and easy tool designed to give investors an accurate estimate of the returns on investment. This is why this calculator is commonly called a Return on Investment (ROI) calculator.

If you plan to save money or are eager to compare investments, an investment calculator offers valuable insights about your potential returns. Entering the initial amount, rate of interest, compounding period, and timeline for investment, you can calculate the returns on investment with this handy tool.

What are the variables Involved in Investment Calculator?

The variables involved in calculating returns on your investments are:

1

Investment amount

This is the amount you are willing to investment at a certain desired frequency.

2

Investment frequency

This is the frequency at which you are willing to investment to attain your financial goal.

3

Length of the investment

This is the time period for this you are willing to continue your investment.

4

Expected rate of return

This is the % rate of return at which you expect your investment to grow with respect to the investment plan you choose.

How can an Investment Calculator help me?

How can an Investment Calculator help me?

Our online Investment Returns Calculator will help you better understand how a certain investment will grow over the years. If you’d like to figure out how much you need to invest today to reach a specific target in 10 or 20 years, the Investment Returns Calculator can help you with that as well. It will also break down the returns you are receiving, so you will get a clear picture of how much you can expect in a year, in five years and 10 years. With the help of the Investment Returns Calculator, you can easily plan your future expenditure, savings plan and investments.

How Does the Investment Calculator Work?

How do Investment Calculator work?

The investment calculator uses a mathematical formula to estimate the future value of an investment. It takes the variables (as mentioned above) you provide and applies the compounding interest formula similar to a compound interest calculator to calculate potential returns on your investment. Compounding reinvests your earnings for exponential growth. Most investments in India use compounding for higher returns, so almost every investment calculator in India works on the compounding interest formula. For your retirement needs you can evaluate the corpus you need with the help of the retirement calculator and if you want to find out your pension requirement then you can use the pension calculator.

How to Use an Investment Calculator?

Using the HDFC Life investment calculator is quick and easy. The intuitive design asks for the required information. Once you input your age, investment amount, investment frequency, tenure and expected rate of return, it estimates your returns. The result also provides a handy table to show you how delaying your investment for ten years can impact your earning potential.

The investment calculator is easy to use and hassle-free. Here is a detailed step-by-step guide on how to use an investment calculator:

Step 1: Determine the initial amount you wish to invest and decide whether it will be a one-time investment.

Step 2: Find out the rate of interest that you can earn on the investment.

Step 3: Determine the tenure for which the amount will be invested.

Step 4: Divide the rate of interest by the tenure you are paying the interest.

Following the steps above, enter the values in the required formula to determine whether your investment is made in a lump sum or at regular intervals. Meanwhile, you can use an SIP calculator to determine how much you need to invest regularly to reach your goals.

Investment Calculator Investment Calculator

Your Returns Comparison
 

Start Investing

Age 30

Age 40

Investment Amount

Rs. 10,000

Rs. 30,000

Investment Period

15 Years

5 Years

Total Investment

Rs. 18.00 Lakhs

Rs. 19.00 Lakhs

Returns at the Age of 45

Returns

Rs. 50.46 Lakhs

Rs. 24.75 Lakhs


For the same Total Investment Amount of Rs. 18.00 Lakhs, you will receive 104% lower returns, if you delay for more than 10 years

Advantages of Using the HDFC Life Investment Calculator

Advantages of using Investment Calculator

HDFC Life investment calculator is a convenient tool for estimating the returns on your mutual fund investment. Here are the advantages of using the calculator:

  • The calculator instantly calculates the value of SIP and lump sum investment after the preferred tenure.

  • Apart from revealing returns at the end of the investment period, this calculator also shows how delay in investment will impact return

  • Offers investment plans with dual benefits of investment and insurance and keeps family and finances safe and secure

Benefits of Investment Calculator

Investment calculators are easy to use. Here are the benefits of an investment calculator:

1

By opting for several investment plans, you can build your wealth. The investor calculator is a crucial tool for selecting investments with proper calculation.

2

With proper use of an investment calculator, you can know how much passive income you need to earn to be financially secure for the future.

3

This easy-to-use online tool lets you determine how much to invest to reach your desired financial goal, such as retirement or higher education.

4

The investment calculator lets you know how your money could grow by entering initial investment amount, expected rate of return, and investment tenure.

Types of Investment Calculators

1

One-Time Investment Calculator


A one-time investment calculator provides the overall return from a single investment plan. Thus, if you are looking to estimate yields from a one-time investment, use this calculator.
 

Lump Sum Amount

Duration

Returns

Invested Amount

Maturity Amount

Rs. 1 lakh

20 years

15%

Rs. 1 lakh

Rs. 16.37 lakh

Rs. 1 lakh

20 years

20%

Rs. 1 lakh

Rs. 38.34 lakh

Rs. 1 lakh

20 years

25%

Rs. 1 lakh

Rs. 86.74 lakh

Rs. 1 lakh

20 years

30%

Rs. 1 lakh

Rs. 1.90 crore

2

Monthly Investment Calculator

 

Invested Amount

Investment Duration

Additional Waiting Time

Returns

Total Invested

Maturity Amount

Rs. 10k/month

10 years

10 years

15%

Rs. 12 lakhs

Rs. 1.24 crore

Rs. 10k/month

10 years

10 years

20%

Rs. 12 lakhs

Rs. 2.78 crore

Rs. 10k/month

10 years

10 years

25%

Rs. 12 lakhs

Rs. 6.33 crore

Rs. 10k/month

10 years

10 years

30%

Rs. 12 lakhs

Rs. 14.57 crore

3

More Calculators

 

At HDFC Life, we offer a variety of calculators to help you make informed decisions about your future finances. You can use the following calculators to help plan your future:
 

Popular Types of Investments in India

India offers a variety of investment avenues. Here are some of the most popular choices:

1

Life Insurance

Life insurance is a secure way to protect your loved one’s financial future. It provides financial protection when something happens to you, the policyholder. Also, gets tax saving benefits with Life Insurance under prevailing tax laws.

2

Mutual Funds

Mutual funds empower you to pool funds with other investors to invest in various stocks and bonds. A fund manager looks after the investment to help you make the most of market changes.

3

Stocks

Investing in the stock market offers ample opportunity to make your money work for you. However, these investments depend heavily on market fluctuations.

4

Bonds

Bonds are low-risk investment options. Typically, investors earn steady interest on investments made towards government bonds.

5

Public Provident Fund (PPF)

The PPF is a government-backed long-term savings scheme. It offers a low risk profile, guaranteed returns and tax benefits.

6

Fixed Deposits

When opening a fixed deposit, investors promise to invest a lump sum amount for a number of years. They earn interest on the amount until maturity. Interest rates may vary from one financial institution to the next.

7

Gold

Gold is a unique investment. The price does not directly depend on market ups and downs. These investments help individuals protect themselves against inflation since the price of gold will rise accordingly.

8

Real Estate

Real estate and property investments have the potential for long-term growth. It also provides the opportunity to earn rental income, providing a steady stream of income over time.

FAQ's on Investment Calculator 

1 How do I calculate the return on an investment?

You can use a simple interest or compound interest formula to calculate the return on your investment. The return depends on your investment amount, frequency, tenure, and interest rate. Additionally, you can use an online investment return calculator to understand the future value of your investment.

2 When should I use an Investment Calculator?

You should use the investment calculator whenever forecasting returns on investment over a certain period. This calculator is helpful when comparing different investment options and making informed decisions.

3 What will be the return on an SIP investment of Rs. 10,000 for 20 years?

For example if you individual who invests Rs. 10,000 every month for 20 years with an estimated rate of return of 12% will earn Rs. 1.01 crore on maturity.

4 How can I get Rs. 1 crore by investing Rs. 5,000 monthly?

For example if you invest Rs. 5,000 each month and hope to grow your money to Rs. 1 crore on maturity you can stay invested in a fund that offers at least 17% returns for 20 years. Or, if you have more time, you can invest in a policy or fund offering returns at 12% for at least 26 years.

5 What could happen if I invest money without using an investment calculator?

If you invest money without using an investment calculator, it will lead to uninformed decisions. Moreover, it might lead to disappointment with maximisation of returns on investment.

6 How can I use an investment calculator to plan for retirement?

To plan for retirement using an investment calculator, make sure to enter your current savings, age of retirement, and expected rate of return to analyse the growth of your investment over the period. This will also help you determine if strategies for savings align with your set financial goals. 

7 What information do I need to use an investment calculator effectively?

To use an investment calculator effectively, financial information on the expected rate of return, initial investment, and expected annual contributions is required. Maintaining accuracy of this information will help you reach an informed investment decision.

8 Are there specific investment calculators for mutual funds and stocks in India?

Yes, there are specific investment calculators for mutual funds and stocks in India that consider expense ratios, historical performances, and implications of tax for easy calculation. A prominent example is the SIP calculator.

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HDFC Life

Reviewed by Life Insurance Experts

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ARN: MC/06/24/12117