Power of Compounding Calculator
See how your investment grows over time across debt, equity savings, aggressive hybrid, and equity.
RETURNS ASSUMPTIONS
Equity Savings (33% equity) 8.3%
Agg Hybrid (66% equity) 11.6%
Ending Value of Investment (Rs. lakhs)
Ending Amount of Investment (Rs. lakhs)
| # years | Debt | Equity Savings | Agg Hybrid | Equity |
|---|---|---|---|---|
| 5 | 64 | 74 | 87 | 101 |
| 10 | 81 | 111 | 150 | 202 |
| 15 | 104 | 165 | 259 | 407 |
| 20 | 133 | 246 | 449 | 818 |
About this calculator
Understanding Impact of Compounding • Concepts
Compounding is powerful because returns themselves begin to earn returns over time — the effect becomes more visible as the horizon increases.
This calculator helps you see how different return assumptions can lead to meaningfully different outcomes over 5, 10, 15, and 20 years.
How to use
- Enter the investment amount and set your return assumptions (e.g., debt vs equity).
- Compare outcomes across multiple horizons rather than focusing only on the final year.
- Use it to set expectations and understand why time-in-the-market matters.
Key assumptions
- Returns are assumed to compound at constant rates for the chosen scenarios.
- No taxes/fees are included; treat as an illustration of compounding mechanics.
