Investment portfolio growth calculator

Why many pots is the right picture

A one-SIP, one-rate tool like the SIP calculator is the right shape for one scheme. A portfolio is not one scheme. It is a set of holdings that each move on their own terms. Treating the lot as a single number at a single rate loses the fact that one holding compounds faster than another, which means the portfolio's mix drifts over time even when the reader does nothing to it. This page keeps each holding separate, runs the arithmetic once per holding, and adds the lot at the end so the drift shows.

Up to eight holdings fit. For each holding the reader enters a name, today's value, a monthly top-up and an assumed annual return. Years is a single field because the whole portfolio is held for the same period in this view.

The arithmetic, per holding

Each holding uses the same monthly loop. The monthly rate is the assumed annual rate divided by twelve. Every month, the top-up is added first and the new balance is compounded by one plus the monthly rate. The final value after y years is the balance at the end of twelve y months. Over the whole plan, the invested figure for a holding is today's value plus the top-up multiplied by twelve times years, because the top-up is paid every single month of the holding period.

Nothing crosses between holdings. A top-up to one pot does not help another, and a drop in one pot's assumed rate does not pull another's down. That is the whole point of running them separately.

Worked example you can check

The default run is three holdings held for ten years. Equity opens at ₹2,00,000, takes a ₹5,000 monthly top-up, grows at an assumed 12 per cent and finishes at about ₹18,21,773. Debt opens at ₹1,00,000, takes ₹2,000 a month at an assumed 7 per cent, and reaches about ₹5,49,155. Gold opens at ₹50,000, takes ₹1,000 a month at an assumed 8 per cent, and reaches about ₹2,95,148. The total today is ₹3,50,000. The total at the end of the plan is about ₹26,66,076.

Equity opened at 57.14 per cent of today's total and finished at 68.33 per cent of the final total. Gold went the other way, from 14.29 per cent to 11.07 per cent. Nobody shifted a rupee between holdings; the drift is arithmetic alone, because equity's assumed rate is higher than the other two.

The chart folds smaller holdings into Other

The panel chart stacks the two largest holdings by final value and puts the rest in one Other band. The colour of a holding tracks the entity, not the rank, so that the reader can follow the same holding across their own portfolio changes. Three is the engine's series cap on a stacked area; with four or more holdings, the band labelled Other is the sum of every holding outside the top two at the end of the plan. The per-holding table below the tool always shows every row in full.

How each input moves the answer

The rate on the fastest-growing holding is the biggest single lever on the total, because its share of the portfolio grows over time. Raising equity's assumed rate from 12 per cent to 14 per cent on the default run lifts the total to about ₹29,59,254 even with no change elsewhere. The monthly top-up matters more than the starting value when the plan is long, because a top-up is paid every month and compounds. The years field is the strongest lever of all: moving the default plan from ten years to twenty multiplies the total by roughly three and a half, to about ₹94,65,342, because every holding has twelve more years to compound.

Share drift is arithmetic, not a signal

The grouped bar on this page puts share today next to share at the end for every holding. A larger share at the end is not called better or worse. It is a statement of what happens when one assumed rate is higher than another. A reader who sees a share they do not want to carry into the future can use the asset management calculator to work out the rupee amount to add or reduce in each class to reach a target mix. That calculator does not fetch prices either; it rebalances on the values you enter.

What this calculator leaves out

• Tax. The final totals are pre-tax figures. For the tax position on a real redemption you need to know the fund type and the holding period of each unit.
• Fees. The rate you enter is a net rate. For the drag of the yearly fee on a lump-sum amount, run the fee drag mode of the asset management calculator instead.
• Withdrawals. Once withdrawals begin, the SWP calculator is the right tool.
• Phases of saving. If the top-up or the rate will change at a point in the future, use the investment calculator to chain phases.
• Liabilities. If the plan sits alongside a loan or any other liability, use the asset growth management calculator to track net worth.

A long run depends on the long rate

Over a two-decade stretch, the rate on the dominant holding sets most of the final total. Mutual fund returns move from year to year and no real holding will earn one steady rate. Treat the final value as arithmetic at the rates you entered, run a lower-rate case before leaning on the answer, and read the scheme documents of the products you plan to use. This calculator is a planning aid, not a forecast of what any portfolio will produce.

Frequently asked questions

Courses that teach the subject behind the investment portfolio growth calculator