Planning
Goal & compound growth
See how a lump sum and regular saving might grow over the years — and what changing the return or the horizon does to the range. Every figure here is hypothetical, shown as a spread of scenarios rather than one confident number.
Illustrative only — not a forecast, not advice, not a real portfolio
A hypothetical projected value at the horizon, shown as a Low–High range. Never a single figure to rely on: markets do not move in a straight line.
Enter your figures to see a projection.
- Total you put in
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- Illustrative growth
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- Projected value (Medium)
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Risk warning. The value of investments can fall as well as rise; you may get back less than you invest. Past performance is not a reliable indicator of future results.
About this tool
This calculator is illustrative and hypothetical. It is an educational aid to explore how compounding works — not financial advice, not a personal recommendation, not a forecast or a guarantee, and not a picture of any real portfolio or an available product. No decision should be made on the basis of its output.
It assumes a single constant return each year — Low ~3%, Medium ~5% and High ~7% a year in real terms by default, or your own Medium rate if you set one — applied with monthly compounding. Real markets do not behave this way. Returns are shown as a range of scenarios rather than a single expected number. The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Past performance is not a reliable indicator of future results. Your own plan is agreed with Abhineet, looking at your full circumstances. Our full risk warnings and disclaimer apply.