How this calculation works
Project an opening balance and equal additions with an explicit choice of beginning- or end-of-period timing. It is useful for checking the effect of payment timing at annual, quarterly, monthly or other supported frequencies. Unlike the SIP forms, this model divides a nominal annual rate by the selected frequency.
Worked example
This example uses illustrative inputs. Your current result is shown above.
Enter ₹1,000 initially, ₹100 periodic contribution, 10% annual interest, 2 years, annual periods and end timing. The opening balance becomes ₹1,210 and contributions become ₹210, giving ₹1,420 total, ₹1,200 contributed and ₹220 growth. Switching only to beginning timing gives ₹1,441 because each contribution earns one extra year.
Assumptions and limits
- Contributions occur once per chosen compounding period, with no skipped or increasing payments.
- The same nominal annual rate applies throughout; the selected timing affects contributions, not the opening balance.
- No withdrawals, tax, inflation adjustment or separate fees are included.
Questions people ask
Why does beginning timing produce more than end timing?
Every added contribution receives one additional interest period. The difference is a timing effect, not a larger amount contributed.
Should a monthly savings amount be used with annual periods?
No. The contribution is per selected period. For monthly savings choose 12 periods per year; otherwise the form treats that amount as one contribution per year.
Why can this differ from SIP at the same quoted annual percentage?
This form uses annual rate divided by frequency. SIP uses an effective annual return converted with a root; the two rate conventions are not interchangeable.