How this calculation works
Model a scheduled transfer between two existing investment balances, beginning with all money in the source. A transfer is not new money: it reduces the source and increases the destination by the same amount. The combined value changes only through the two assumed returns; the last transfer can be smaller if the source is nearly exhausted.
Worked example
This example uses illustrative inputs. Your current result is shown above.
Enter ₹1,00,000 initially, ₹30,000 monthly transfers, 4 months, beginning timing and 0% returns in both funds. Transfers are ₹30,000, ₹30,000, ₹30,000 and ₹10,000. Four instalments move ₹1,00,000; source ends at ₹0, destination at ₹1,00,000 and combined growth is ₹0.
Assumptions and limits
- Only the entered starting capital is available; no outside deposits replenish the source.
- Each fund has its own constant effective annual return and transfers use the selected monthly timing.
- Redemption taxes, exit loads, transaction delays and scheme-level transfer restrictions are excluded.
Questions people ask
Why is the final transfer smaller than the regular amount?
The model caps it at the remaining source balance. It does not borrow money or let the source become negative to complete an instalment.
Should I add total transferred to the final value?
No. Transfers are internal movements of the same capital. The final combined value already includes what remains in both funds.
Does the transfer timing matter?
Yes. A beginning transfer earns that month’s destination return; an end transfer first leaves the money exposed to the source return for that month.