How this calculation works
Combine an existing fund balance with new fixed monthly investments in one projection. This is useful when neither a pure lump-sum calculation nor a new SIP starting from zero describes your position. It assumes one return for the combined balance; it does not calculate historical performance from fund NAVs.
Worked example
This example uses illustrative inputs. Your current result is shown above.
Enter an existing ₹1,00,000, add ₹1,000 at the beginning of each month for 1 year and assume 12% effective annual return. The existing holding becomes ₹1,12,000; the monthly investments become ₹12,766.50. Final value is ₹1,24,766.50, total invested ₹1,12,000 and growth ₹12,766.50.
Assumptions and limits
- Monthly contributions are made at the beginning of the month and do not step up.
- One effective annual return applies to the initial balance and every contribution.
- There is no separate expense-ratio, capital-gains tax, exit-load or NAV-history calculation.
Questions people ask
Should initial investment be my old purchase cost or today’s balance?
For a projection starting today, use today’s invested balance. This treats that balance as opening capital; it does not reconstruct gains earned before the projection starts.
Is this a return calculation for transactions I already made?
No. It projects future value from an assumed return. Use XIRR with actual dated investments, withdrawals and a final valuation to estimate a money-weighted historical return.
How does this overlap with SIP?
The growth engine is shared. This page is a focused form for an opening balance plus a flat monthly contribution; step-up SIP adds an annual increase to contributions.