Compounding visualiser
See how much of a final corpus is your own money and how much is growth — and why compounding feels like nothing is happening for years.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- For how long
Drag the horizon and watch the split between contributions and growth change shape. This is the whole point of the tool.
- Annual return
Adjust the assumed return. Notice it matters far less in the early years than the horizon does, and far more in the late ones.
- Watch the crossover
There is a year when growth overtakes contributions. Find it. That year is the reason people who quit at year eight conclude investing does not work.
Worked example: ₹10,000 a month for thirty years
A steady ₹10,000 monthly SIP at 12% a year, held for thirty years without interruption.
What to enter
- Monthly investment
- ₹10,000
- For how long
- 30 years
- Annual return
- 12%
What it shows you
- You contribute
- ₹36,00,000
- Final corpus
- ≈ ₹3.5 crore
- Growth’s share
- ≈ 90%
- Value at year 10
- ≈ ₹23 lakh
- Value at year 20
- ≈ ₹1 crore
- Last decade alone adds
- ≈ ₹2.5 crore
on ₹12 lakh contributed
on ₹24 lakh contributed
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics11 minMutual funds, index funds and ETFsThe alternative to picking stocks yourself — how each vehicle works, what it costs, and the honest case for using one even after learning all this.
- Market Basics12 minEPF, PPF and NPS: the accounts that quietly do the workThe three retirement accounts most Indians already hold, what each actually returns, how they are taxed, and where they should sit in an allocation.
- Risk & Psychology11 minAccountability when nobody is watchingA professional answers to a risk desk and a committee. An individual answers to nobody, which is freedom and the reason most plans quietly stop being followed.
- Risk & Psychology12 minAdvisers, PMS and knowing when to delegateDoing it yourself is not a virtue if it is not working. What each type of adviser actually is in India, how they are paid, and when handing over is the right call.
- Risk & Psychology11 minDesigning an environment instead of relying on willpowerDiscipline is a finite resource and markets are built to drain it. Change the environment and you need much less of it.