Year-by-year breakdown
| Year | Monthly savings | Contributed (year) | Growth (year) | Net worth (end) | Today's value |
|---|
How the projection works
Each month: existing capital earns 1/12 of the annual return, then the monthly savings are added. Each January the monthly contribution increases by the step-up percentage (modelling salary growth, etc.). After all months in a year, the calculator records the year-end balance and continues.
The "today's value" column discounts the future balance by your assumed inflation rate so you can see what the corpus is actually worth in current rupees.
FAQ
What return rate should I use?
Indian equity (Nifty 50) historically returns ~12–13% p.a. nominal over 10+ years. Debt funds & FDs ~6–7%. A balanced 60/40 portfolio sits around 9–10%. Use a conservative number (1–2 percentage points lower) for safety.
Why does net worth grow more in later years?
Compound growth: each year's returns become next year's principal. This is why starting early matters far more than starting bigger. The slope visibly steepens after year 10–12.