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The values shown here are only for illustration.
The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

Understand how to plan for your financial goals with the investment calculator. The easy-to-use tool empowers you to plan your investments, estimate returns, and navigate the world of financial security. Investment Calculator by HDFC Life helps you to understand the impact of delaying your Systematic Investment by certain year(s). It helps in simplifying the decision in when to invest get more returns.

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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What is an Investment Calculator?

What is an Investment Calculator?

Understanding the potential returns on your investment plans helps you make informed decisions while planning for the future. The investment calculator is a powerful tool designed to help you estimate returns on your investments. You can gain valuable insights into your financial future by inputting specific variables into the online investment calculator. The investment calculator can also help you calculate your returns from your one time investment plans.

What are the variables Involved in Investment Calculator?

The variables involved in calculating returns on your investments are:


Investment amount

This is the amount you are willing to investment at a certain desired frequency.


Investment frequency

This is the frequency at which you are willing to investment to attain your financial goal.


Length of the investment

This is the time period for this you are willing to continue your investment.


Expected rate of return

This is the % rate of return at which you expect your investment to grow with respect to the investment plan you choose.

How can an Investment Calculator help me?

How can an Investment Calculator help me?

Our online Investment Returns Calculator will help you better understand how a certain investment will grow over the years. If you’d like to figure out how much you need to invest today to reach a specific target in 10 or 20 years, the Investment Returns Calculator can help you with that as well. It will also break down the returns you are receiving, so you will get a clear picture of how much you can expect in a year, in five years and 10 years. With the help of the Investment Returns Calculator, you can easily plan your future expenditure, savings plan and investments.

How Does the Investment Calculator Work?

How do Investment Calculator work?

The investment calculator uses a mathematical formula to estimate the future value of an investment. It takes the variables (as mentioned above) you provide and applies the compounding interest formula similar to a compound interest calculator to calculate potential returns on your investment. Compounding reinvests your earnings for exponential growth. Most investments in India use compounding for higher returns, so almost every investment calculator in India works on the compounding interest formula. For your retirement needs you can evaluate the corpus you need with the help of the retirement calculator and if you want to find out your pension requirement then you can use the pension calculator.

How to Use the Investment Calculator?

Using the HDFC Life investment calculator is quick and easy. The intuitive design asks for the required information. Once you input your age, investment amount, investment frequency, tenure and expected rate of return, it estimates your returns. The result also provides a handy table to show you how delaying your investment for ten years can impact your earning potential.

Provide the input details – age, investment amount, frequency of investment, time period and expected rate of return.

Advantages of Using the HDFC Life Investment Calculator

Advantages of using Investment Calculator

The HDFC Life Investment Returns Calculator offers more than just a simple calculation. Apart from showing you how much you will likely get at the end of your investment period, the calculator also shows you how delaying your investment by ten years impacts your return. It compares both scenarios, urging you to invest sooner rather than later to build a significant corpus. Based on your investment capacity, the calculator will provide investment plans that offer the dual benefit of investment and insurance to help keep you, your family, and your finances safe. The investment calculator helps you identify the returns on your investment giving meaning to the question – what is investment?

Types of Investment Calculators


One-Time Investment Calculator

The calculator helps project your earnings based on a single investment. It is ideal for individuals who want to invest a lump sum in one go.


Monthly Investment Calculator

The monthly investment calculator works better for individuals who want to invest regularly. Individuals with a systematic investment plan can use the monthly calculator to project their returns after regular investments.


More Calculators

At HDFC Life, we offer a variety of calculators to help you make informed decisions about your future finances. You can use the following calculators to help plan your future:


Popular Types of Investments in India

India offers a variety of investment avenues. Here are some of the most popular choices:


Life Insurance

Life insurance is a secure way to protect your loved one’s financial future. It provides financial protection when something happens to you, the policyholder. Also, gets tax saving benefits with Life Insurance under prevailing tax laws.


Mutual Funds

Mutual funds empower you to pool funds with other investors to invest in various stocks and bonds. A fund manager looks after the investment to help you make the most of market changes.



Investing in the stock market offers ample opportunity to make your money work for you. However, these investments depend heavily on market fluctuations.



Bonds are low-risk investment options. Typically, investors earn steady interest on investments made towards government bonds.


Public Provident Fund (PPF)

The PPF is a government-backed long-term savings scheme. It offers a low risk profile, guaranteed returns and tax benefits.


Fixed Deposits

When opening a fixed deposit, investors promise to invest a lump sum amount for a number of years. They earn interest on the amount until maturity. Interest rates may vary from one financial institution to the next.



Gold is a unique investment. The price does not directly depend on market ups and downs. These investments help individuals protect themselves against inflation since the price of gold will rise accordingly.


Real Estate

Real estate and property investments have the potential for long-term growth. It also provides the opportunity to earn rental income, providing a steady stream of income over time.

FAQs on Investment Calculator


1 How do I calculate the return on an investment?

You can use a simple interest or compound interest formula to calculate the return on your investment. The return depends on your investment amount, frequency, tenure, and interest rate. Additionally, you can use an online investment return calculator to understand the future value of your investment.

2 What is an SIP calculator?

An SIP calculator is a virtual tool that helps investors estimate the potential returns on their Systematic Investment Plan. Most SIP calculators use the compound interest formula to predict future returns.

3 What will be the return on an SIP investment of Rs. 10,000 for 20 years?

For example if you individual who invests Rs. 10,000 every month for 20 years with an estimated rate of return of 12% will earn Rs. 1.01 crore on maturity.

4 How can I get Rs. 1 crore by investing Rs. 5,000 monthly?

For example if you invest Rs. 5,000 each month and hope to grow your money to Rs. 1 crore on maturity you can stay invested in a fund that offers at least 17% returns for 20 years. Or, if you have more time, you can invest in a policy or fund offering returns at 12% for at least 26 years.

5 How should I calculate my investment amount?

You can use online calculators to determine your investment amount. You can try different variable combinations depending on how much you hope to earn in a specific period. The calculator will provide projections for each combination, helping you estimate how much and how regularly you need to invest to meet your financial goals.

HDFC life
HDFC life


Reviewed by Life Insurance Experts


We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.

This interactive does not constitute an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. HDFC Life Insurance Company Limited or any of its affiliates/ group companies shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the interactive.

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ARN: ED/10/23/5876