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Investment & Trading Calculator

Project the growth of your overall portfolio — combine your starting capital with regular monthly investments to see where you could end up.

Build your projection

₹
₹
%
yr

Your results

Projected portfolio value

₹1,06,20,394

  • Total invested₹29,00,00027.3%
  • Est. gains₹77,20,39472.7%

Total invested

₹29,00,000

Estimated gains

₹77,20,394

Starting capital grows to

₹14,27,588

Monthly investing grows to

₹91,92,807

Portfolio summary

Starting capital
₹2,00,000
Total monthly investments
₹27,00,000
Estimated gains
₹77,20,394
Effective annualised return
9.04%
Projected portfolio value
₹1,06,20,394
Invest now

What is the Investment & Trading Calculator?

The Investment & Trading Calculator projects the future value of your whole portfolio. It combines the capital you start with and the amount you add every month, then grows both at an expected annual return. It is a quick way to map out where disciplined investing — alongside any trading gains you reinvest — could take you over the long run.

How does it work?

Your starting capital compounds for the full horizon, while each monthly contribution compounds for its remaining months. The calculator adds the two together to give a projected portfolio value, and works out how much of that is your own contribution versus market gains, plus the effective annualised return.

Formula

Value = C(1 + r)^t + M × [ ((1 + i)^n − 1) / i ] × (1 + i)

  • C = starting capital
  • M = monthly investment
  • r = expected annual return
  • i = monthly return (r ÷ 12)
  • t / n = years / total months

Example calculation

Begin with ₹2,00,000, add ₹15,000 a month for 15 years at an expected 14% return. Your contributions total about ₹29 lakh, yet the projected portfolio grows to well over ₹1 crore — the rest being compounded gains.

Benefits

  • Combines a lump sum and ongoing investments in a single projection.
  • Shows the split between contributions and market-driven gains.
  • Useful for planning a long-term investing or trading strategy.

Limitations

  • Assumes a steady return; trading and equity returns are volatile.
  • Excludes brokerage, taxes, slippage and other trading costs.
  • Does not account for drawdowns or irregular contributions.

Conclusion

Consistent contributions plus time are the biggest drivers of long-term portfolio growth. Use this calculator to set a target, then explore our specialised SIP, lumpsum and brokerage calculators to refine each part of your plan.

You have the numbers — now put them to work

An estimate only helps once you invest against it. Open an Alice Blue account and act on the plan — no account opening charges, and flat ₹20 per executed order.

  • Zero account opening charges
  • Zero AMC for a lifetime
  • Flat ₹20 per executed order
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Frequently asked questions

01What does this calculator project?
It projects the future value of a portfolio that starts with a lump sum and receives regular monthly investments, all growing at an expected annual return.
02Can I use it for trading gains?
Yes. Treat the monthly amount as the capital you consistently add or reinvest, and set the expected return to your realistic long-term rate.
03Does it include brokerage and taxes?
No. Trading costs, brokerage and taxes are not included. Use our brokerage calculator to estimate per-trade charges separately.
04What return rate should I use?
Use a realistic long-term figure for your strategy. Broad equity portfolios have historically returned around 10–14% per year, but trading outcomes vary widely.
05Is the projected value guaranteed?
No. It is an estimate based on a constant return. Actual markets fluctuate, so treat the figure as a planning guide.
06How is the annualised return calculated?
It is the CAGR that equates your total contributions to the projected portfolio value over the horizon, giving a single comparable per-year rate.