Add any number of lumpsums, SIPs, SWPs, and loans. Give each card a recognizable name. The calculator estimates each balance today, then projects forward. Net assets equal investment balances minus outstanding loans.
Projection and page controls
- Projection timeframe
- Choose how many years ahead to calculate, from 1 to 50. The slider and number box control the same timeframe. New SIPs use this as their default investment years left.
- Currency and theme
- Currency changes symbols and formatting, not exchange rates. Theme switches between light and dark.
- Add, name, and remove cards
- Use + Lumpsum, + SIP, + SWP, or + Loan to add an entry. Type over the name at the top of a card. Use × to remove it from the current portfolio.
- Save setup and Load setup
- Save keeps the complete portfolio, names, inputs, currency, and timeframe on this device. Enter a name and confirm Save. You can store three setups; choose a saved setup in the dialog to replace it. Load restores a saved portfolio in place of the current entries.
Lumpsum investment
- Initial investment
- Enter the original one-time amount invested, not its current balance.
- Annual return (%)
- Enter the assumed annual percentage return. The same return is used for the past investment age and the future projection.
- Investment age
- Enter how many years ago the investment began. Use 0 for an investment made today or 2.5 for two years and six months ago. Past growth is included in today’s value.
SIP — Systematic Investment Plan
- Initial monthly contribution
- Enter the monthly amount when the SIP first began. If it started in the past, enter the original amount, before annual increases.
- Annual return (%)
- Enter the expected annual investment return. The calculator converts it to a monthly rate and adds each contribution at month-end.
- Annual step-up (%)
- Enter how much the monthly contribution increases each year, measured from the original start date. A 10% step-up changes 5,000 to 5,500 per month in year two. Use 0% for constant contributions.
- Investment age
- Enter how long the SIP has already been running. Past contributions and their growth form today’s balance. Use 0 for a new SIP.
- Investment years left
- Enter how many more years you will contribute. It defaults to the projection timeframe and follows timeframe changes until you edit it yourself. Choose 0 to stop new contributions now. After contributions stop, the existing investment continues growing for the rest of the projection.
SWP — Systematic Withdrawal Plan
- Initial investment
- Enter the balance available today before withdrawals begin.
- Annual return (%)
- Enter the annual return earned by the remaining investment.
- Monthly withdrawal
- Enter the amount withdrawn at each month-end during the first year.
- Annual withdrawal increase (%)
- Enter the yearly percentage increase in monthly withdrawals. Use 0% for fixed withdrawals. Withdrawals stop when the balance reaches zero. Withdrawn money is treated as spent and is excluded from net assets.
Loan
- Original loan amount
- Enter the principal originally borrowed, before repayments and excluding future interest.
- Annual interest (%)
- Enter the yearly loan interest rate. The calculation uses one-twelfth of this rate each month and assumes it stays fixed.
- Original term (years)
- Enter the full repayment term agreed when the loan began. This term and the original amount determine the monthly EMI.
- Elapsed term
- Enter the number of years already passed for the loan, assuming all scheduled monthly payments were made. It cannot exceed the original term. The calculator uses these payments to estimate the outstanding balance today. Future payments stop at payoff.
Read the results
Amounts next to each input show the selected currency, percentage, or years. Fractional time inputs are rounded to the nearest month for portfolio calculations. Each card shows its balance today and at the end of the projection. Chart lines include every entry, total investments, remaining loans, cumulative contributions, cumulative withdrawals, and net assets. Contributions include past contributions when an investment age is entered. Loan lines show debt as a positive amount; net assets subtract that debt. Click legend labels to show or hide lines and hover or tap for yearly values.
The portfolio table explains each entry’s contribution to the result. Expand the year-by-year breakdown for the timeline. Loan payments are funded from income outside this portfolio. Taxes, fees, inflation, and changes in market returns are not included.