Arithmetic you can check yourself
Move the sliders or type a figure. Every result is simple compounding applied to the assumptions you enter — not a forecast, not a projection of any scheme, and not an assurance of any outcome.
How to read these results. The growth rate you enter is an assumption, not something any scheme promises. Mutual fund returns are not fixed and can be negative over any period. A result shown here tells you what compounding would produce if that rate were achieved every year without variation — which is not how markets behave. Use the output to compare choices, not to predict an outcome.
What these calculators do not account for
- Variation in returns. Real returns arrive unevenly. Two portfolios with the same average can end at very different values depending on the order in which good and bad years arrive.
- Exit load and taxes. Redemptions may attract exit load within the scheme's stated period, and capital gains tax applies as per the rules in force. Neither is deducted here.
- Expense ratio. Scheme returns are reported after expenses, but the rate you enter here is your own assumption and may or may not be a post-expense figure.
- Missed instalments. The SIP calculators assume every instalment is paid on time for the full period.
- Inflation, except where stated. Only the retirement and inflation calculators apply an inflation assumption.
If you want the same arithmetic applied to your actual folios, send us your statements and we will work it through with real numbers rather than assumptions.
Want these numbers run on your actual portfolio?
Send your consolidated account statement and we will replace the assumptions with what you really hold.
