Return on Investment (ROI) Calculator

Formula and methodology

Future value depends on contribution amount, expected annual return, compounding frequency, and time invested. For SIPs, the calculator uses periodic investment compounding rather than treating all money as invested on day one.

WealthWiseGrow keeps calculator inputs private in your browser wherever possible. The result should be treated as an educational estimate and reviewed against the official product terms, bank quote, fund document, tax rule, or salary structure that applies to your situation.

Example interpretation

For example, increasing a monthly SIP from Rs 5,000 to Rs 7,500 can have a larger long-term impact than chasing an extra 1% return, especially over 10 to 15 years. The calculator helps you test those trade-offs before committing money.

After calculating, compare at least two scenarios: a conservative case and an optimistic case. This helps you avoid planning around a single number that may not survive changes in income, interest rates, inflation, tax rules, or market returns.

Key assumptions

• - Expected return is an estimate, not a guarantee.
• - Taxes, exit loads, expense ratios, brokerage, and market volatility can reduce real returns.
• - Inflation should be considered when converting future value into today's purchasing power.

Common mistakes

• - Treating projected returns as guaranteed outcomes.
• - Ignoring inflation and tax impact.
• - Stopping long-term investments because of short-term market movement.

Related tools

• SIP Calculator
• Mutual Fund Calculator
• Lumpsum Calculator
• Personal finance guides