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Fund Booster at Maturity*
Investment Calculator
What is an investment calculator?
An investment calculator is a simplistic yet powerful online tool designed to help you with your investment decisions. There are various types of investment calculators available to help you with different kind of investments. All you need is to provide basic information about your investment, and it tells you time duration require to acquire the corpus[1]. For example, you may need to enter the details like the initial investment, the period for which you want to stay invested, the monthly or annually contributions, the interest rate and inflation rate. Based on the information, the investment estimator will calculate how much your investment will grow after the stipulated period.
Why Bajaj Allianz Life Insurance ?
Bajaj Allianz Life, one of India's leading Private Life Insurers, is committed to offering value-packed and innovative products to help you achieve your Life Goals.
99.29%
Claim Settlement Ratio~
1 Day
Get 1 Day Claim Approval%
AAA
Stable Rating by CARE$$
₹1,23,734 Cr
Assets Under Management (AUM)***
3.85 Cr
Number of Lives Covered##
359%
Solvency Ratio of 359%^^^
Disclaimer:~Individual Death Claim Settlement Ratio for FY 2024-2025 | %99.29% of non-investigative individual claims approved in one working day for FY 2024-25. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Allianz Life offices. 96% of non - investigative claims notified were processed within one day in FY’25 | $$For details refer to press release published by CARE | ***All figures as on 31 March, 2025 | ^^^Solvency ratio 359% as at 31 March 2025 against IRDAI mandated 150% | ##Individual and group, as on 31 March, 2025.
Customer Speaks
Happy with the services
I have invested in various products of Bajaj Allianz Life Insurance - I am happy with the services, returns and diversified product portfolio.
Ankur
Satisfied, Trust
I am a happy customer who is satisfied with the after sales service. I have full trust in Bajaj Allianz Life Insurance Company.
Shrikant A Karande
Happy with the returns
I was introduced by my advisor to invest in Bajaj Allianz Life Insurance .I have invested in the same and am happy with the returns and services.
Kavita Goplani
Very Happy
I am a 7 year old customer of Bajaj Allianz Life Insurance and very happy about the services.
Dhruv Soni
All About Investment Calculator
The way the cost of living is constantly on the upward curve, financially securing the future has become one of the biggest priorities these days. To grow your wealth effectively, a well-crafted investment strategy is of paramount importance. Dreading the complicated estimations already? An investment calculator might be your friend in need.
What is your current age?
How much would you like to invest monthly?
1,000
10 Crore
Minimum years is required
How long are you going to invest for?
5 years
30 years
What's your expected annual rate of return?
5%
13%
Basis your Investment of per month ₹
10,000
You can achieve a goal amount of
₹ 9,73,433
Bajaj Allianz Life Goal Assure IV
A Unit-Linked, Non-Participating, Individual Life Savings Insurance Plan
How do Investment Calculators Work?
Investment calculators are easy-to-use online tools that show you how much your money can grow over time. When you want to buy a savings plan or allocate funds for the future, you can use this tool to get an idea of the future value.
To use it, you just need to enter a few simple details like how much money you are starting with, how long you plan to keep it, and the expected growth rate. Once you fill in these details, the calculator will quickly show you the total amount you may have at the end of the chosen time.
It usually works on a method called compound interest. This means your money grows not only on the original amount but also on the returns earned over time. Using an investment calculator can help you plan your financial goals in a better way by showing a clear and simple future value of your savings.
Compound Interest Calculation
Compound interest is a simple way in which your money grows by earning interest on both the amount you prefer to save and the interest that it already earned. Each time interest is added, it becomes part of the bigger amount, and new interest is calculated on this larger total. As a result, your money keeps growing faster every year. In simple words, compound interest means "earning interest on interest." The compound interest calculation method has become popular in financial products and calculators because it reveals the power of time to increase savings value Understanding compound interest demonstrates to people that minor savings today will become bigger sums over time.
How Does Compound Interest Calculator Work?
A compound interest calculator is a simple tool that helps you understand how much your money can grow when interest is added over time. You just need to fill in some easy details like how much money you are starting with, how long you will keep it, and what rate of return you expect. You also choose how often the interest is added, like once a year, twice a year, or every month. The calculator then uses a formula to find the final amount:
A = P(1 + r/n) ^ nt,
Where "A" is the amount you will get, "P" is the starting amount, "r" is the rate of return, "n" is the number of times interest is added in a year, and "t" is the number of years. This formula includes both your initial savings and the extra interest earned over time, giving you a clear future value.
Important variables of an investment calculator
Before you use an investment return calculator yourself, it’s crucial to know its important variables. This may help you understand the tool, its data requirement and functionality in a better way. Different calculators can rely on different set of information. So, here’s a checklist of the key variables[2][3] that you might find in an online investment calculator:
The starting investment: The initial investment or the principal is the amount you start your investment journey with.
The rate of return or interest: It is the expected amount your return from your investment in a year. Simple interest gets accrued only against the lumpsum or principal amount while the compound interest is paid towards both the principal and the already accumulated interest.
Period of investment: This denotes the duration for which you want to invest your money.
Rate of inflation: It is the rate at which prices increase and affects the value of the returns in future.
Amount and frequency of Contribution: The amount you want to add to your starting investment and its frequency like annual, monthly, etc.
Fees and taxes: The fees and taxes levied upon your investment by the investment company and the tax authorities. Some calculators take these into account to arrive at the net worth of your future investment.
Features and benefits of an investment calculator
Dealing with financial goals: Investment return calculators estimate for you the future value of your investment. Thus, planning for financial goals like building wealth or generating corpus for retirement may be easier.
Quick estimation: Financial calculations require a lot of data and may often seem pretty difficult to many. Here’s where investment calculators can be helpful: you just input the necessary information and instantly receive the future value of your investment.
Understanding key elements: Financial tools like the investment return calculator aid you in calculating key elements of your investment, like compound interest or returns. This can help you understand the concepts better.
Assessing the risk: An investment calculator lets you gauge the risk of investment by calculating the probable returns and thus compare risks associated with various plans. Based on that, you can make an informed decision and avert potential risks.
Having a disciplined investment: Online investment calculators can offer easy and quick estimations of returns at every step of your investment journey. This can motivate you to have a disciplined investment regime.
How to use an investment calculator?
An investment calculator[5] has a formula box with places to input information and a Calculate button at the bottom. You’ll have to provide the following details to use a traditional investment return calculator (ROI calculator):
- The amount of investment
- The investment period
- Amount that will returned
Once the figures are entered in their designated boxes, all you need to do is click on the Calculate button. Formulating the available information, the investment estimator will automatically calculate the returns, based on which the future value of the investment can be achieved. Suppose Mr. A makes an investment of Rs. 50,000 for 10 years at 6% returns. Once he enters the figures and clicks the Calculate button, he can figure out how much his initial investment will grow after 10 years.
However, there are various other types of investment calculators[2] that may need a couple of extra pieces of information, like monthly investment figures, compounding frequency, etc., and other specific information related to the nature of the investment.
Types of investment calculators
Catering to various kinds of investment, online investment calculators are also available in multiple variants to help you with the necessary estimations. Following is the list of the commonly used investment calculators[6].
Lumpsum calculator
Are you planning to make a lumpsum investment for a specific financial goal? A lumpsum calculator may be helpful in estimating how much you might gain after the investment period.
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SIP calculator
If you are looking to have a disciplined journey through a systematic investment plan (SIP), a SIP calculator may guide you on how much returns to expect.
Read More
Read Less
Mutual fund calculator
Craving to invest in mutual funds? You can check and compare the potential returns using the mutual fund calculator and make an informed move.
Read More
Read Less
ELSS calculator
The Equity Linked Savings Scheme (ELSS) assists investors in evaluating profits and saves taxes. It may be worth checking the probable returns through an ELSS calculator before you take the plunge.
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Read Less
NPS calculator
The National Pension System (NPS) is designed to create a retirement income stream in the form of a pension. A NPS calculator may be helpful here as it lets you estimate the returns beforehand.
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Read Less
FD calculator
Another option to build a corpus with a fixed rate of return is Fixed Deposit (FD). The FD calculator can help you to figure out beforehand how much your money can grow.
Read More
Read Less
PPF calculator
The public provident fund (PPF) lets you accumulate and grow your money through compound interest. You can use the PPF calculator to check the returns and estimate the future value of your deposits to the account.
Read More
Read Less
Conclusion
Always look before you leap, they say. Likewise, it may be a wise choice to check the future value of your investment before you put your hard-earned money into any financial instrument. Taking care of all the complicated calculations you require, an investment calculator can make it an easy, breezy deal.
FAQs
1. How to calculate investments?
The future value of your investments can be calculated through an online investment calculator[5]. Here one needs to input details like the amount invested, the investment tenure, and the rate of return in the formula box provided and hit the Calculate button on the screen. Based on that, the calculator will show how much your investment will grow after the stipulated period.
2. What factors affect the investment calculator’s outcome?
The investment return calculator generates its outcome based on the amount invested, the duration of investment, and the rate of return. It can be affected by the following key factors[3]:
- The rate of inflation, which determines the purchasing power of the future value of investment
- The taxes imposed on the investment, which lowers the total value of future corpus
- Any fee imposed on the investment, like the fund management fees, which reduces the future value of the investment
3. Does the investment calculator include tax considerations?
Yes, some investment calculators may include tax considerations[3] to estimate the net worth of the future corpus expected to generate from your investment.
4. What details do I need for an investment calculator?
Various investment estimators have their own set of input requirements. You may need to enter details[2][3] like the initial investment amount, the desired duration of investment, the rate of return or interest, the frequency of compounding, additional contributions (if any), and their frequency.
5. What are the benefits of using an investment calculator?
The benefits of using an investment calculator are as follows[4]:
- Ensures quick estimation of the returns and future value of your investment.
- Helps in effecting planning of financial goals.
- Allows you to assess the potential risk of investment by calculating the returns and the future growth of investment.
- Provides a better understanding of concepts like compound interest and returns.
- Motivates you to form a disciplined investment habit by regularly tracking your investment growth.
6. Should I invest or save money for the future?
Whether you should save or invest depends on your financial goals and time horizon. If you want to keep your money safe and need it in the short term, saving is a good option because it offers low risk and easy access to funds. On the other hand, if you aim to grow your money over a longer period and can tolerate some risk, investing is preferable as it has the potential for higher returns.
References:
- https://www.valueresearchonline.com/investment-calculator/
- https://www.calculator.net/investment-calculator.html
- https://theindiasaga.com/saga-corner/exploring-variables-employed-by-investment-calculators/#google_vignette
- https://www.newindianexpress.com/express-connect/archives/2024/Jun/06/financial-calculators-an-essential-tool-for-equity-investors
- https://cleartax.in/s/roi-return-on-investment-calculator
- https://www.etmoney.com/tools-and-calculators
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Life Insurance Guide
Articles
Calculators
Podcasts
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Disclaimers:
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.
ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
The views stated in this article are not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read the sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale. Bajaj Allianz Life Insurance Company Ltd., Regd. office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006, Reg. No.: 116, CIN: U66010PN2001PLC015959, Call us on toll free No.: 1800 209 7272, Mail us: customercare@bajajallianz.co.in
Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility
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