Investment Calculator — Project Your Wealth
Go beyond simple return calculations. Pravix provides goal-based investment projections with multi-asset allocation, scenario analysis, and inflation-adjusted targets for Indian investors.
Types of Investment Calculations
Different investment scenarios require different calculation approaches. Pravix handles all of them within a single, unified planning engine.
SIP Return Calculator
Calculate how regular monthly investments compound over time. See the power of disciplined SIP investing across 5, 10, 15, and 20-year horizons.
Lump Sum Growth Calculator
Project how a one-time investment grows. Ideal for planning windfall investments, bonus allocations, or inheritance deployment.
Goal-Based Calculator
Start with your goal amount and timeline, then work backward to find the monthly investment needed. Factor in existing savings and inflation.
Multi-Asset Portfolio Calculator
Calculate returns for a diversified portfolio across equity, debt, gold, and liquid assets with realistic per-asset return assumptions.
Understanding Investment Returns in India
Investment returns in India vary significantly by asset class, time horizon, and market conditions. Using a single flat return rate — as most basic calculators do — gives you an incomplete picture.
| Asset Class | 10-Year Avg Return | Risk Level |
|---|---|---|
| Equity (Large Cap) | 10–14% | High |
| Equity (Mid/Small Cap) | 12–18% | Very High |
| Debt (Bond Funds) | 6–8% | Low-Medium |
| Gold | 8–10% | Medium |
| Fixed Deposits | 5–7% | Very Low |
| Liquid Funds | 4–6% | Very Low |
Note: Past performance does not guarantee future returns. Pravix uses conservative assumptions and provides scenario ranges to give you a realistic view.
Why Pravix Beats Simple Investment Calculators
Multi-Asset Blended Returns
Instead of a single return rate, Pravix calculates a blended return based on your actual portfolio allocation across equity, debt, gold, and liquid assets.
Inflation-Adjusted Goals
Your ₹1 crore goal today may need ₹1.8 crore in 10 years due to inflation. Pravix automatically adjusts your target.
Feasibility Intelligence
Know whether your goal is comfortable, tight, stretched, or not viable — and get specific strategies to improve your odds.
Step-Up SIP Optimization
See how increasing your SIP by just 10% annually can dramatically accelerate your wealth compared to a fixed SIP.
Investment Calculator FAQs
How is an investment calculator different from a SIP calculator?
A SIP calculator focuses on regular monthly investments and their future value. An investment calculator is broader — it can handle lump sum investments, step-up SIPs, mixed portfolios with different asset classes, and factor in variables like inflation, tax implications, and varying return rates for equity, debt, gold, and liquid assets.
What returns should I assume for different asset classes in India?
Historical long-term returns in India: Equity (large-cap mutual funds) 10-14% annually, Debt funds 6-8%, Gold 8-10%, Liquid/FD 4-6%. Pravix automatically assigns return assumptions based on your risk profile — conservative, moderate, or aggressive — so you get realistic projections.
How does inflation affect my investment calculations?
Inflation erodes purchasing power over time. At 6% inflation, ₹1 crore today would be worth only about ₹55 lakh in real terms after 10 years. Pravix factors in inflation when calculating your goal corpus, ensuring your target amount reflects future purchasing power, not just today's value.
Can I calculate returns for a diversified portfolio?
Yes. Unlike basic calculators that assume a single return rate, Pravix calculates returns for a diversified portfolio across equity, debt, gold, and liquid assets. The blended return is automatically computed based on your asset allocation and risk profile, giving you a more accurate projection.
Should I invest lump sum or through SIP?
For most salaried individuals, SIP is recommended as it provides rupee cost averaging and aligns with monthly income. Lump sum works well for windfall gains or when markets are significantly undervalued. Pravix can analyze both approaches and suggest the optimal strategy for your situation.
Get Your Personalized Investment Projections
Stop guessing with generic calculators. Get a complete, goal-based investment plan with multi-asset projections, scenario analysis, and actionable strategies.
Start Your Financial Plan with Pravix