Multi-asset portfolio projection with custom allocation and expected returns per asset class.
Wealth Calculator Pro
Personal Finance₹10,00,000
₹20,000
15 Yr
Asset Allocation
Total: 100%Asset ClassAllocationExp. Return
%
%
%
%
%
%
Results
Projected₹1.37 Cr
Portfolio
Equity (60%)₹96.52 L
Debt (25%)₹23.06 L
Gold (15%)₹17.19 L
Total Portfolio Value
₹1.37 Cr
Total Invested
₹46.00 L
Total Returns
₹90.78 L
Weighted Return
10.3%
Per-Asset Breakdown
Equity
₹27.60 L/₹68.92 L
Debt
₹11.50 L/₹11.56 L
Gold
₹6.90 L/₹10.29 L
Portfolio Growth Over Time
ChartYear-by-Year Breakdown
Table| Year | Total Value | Invested | Returns |
|---|---|---|---|
| 1 | ₹13,62,079 | ₹12,40,000 | ₹1,22,079 |
| 2 | ₹17,63,982 | ₹14,80,000 | ₹2,83,982 |
| 3 | ₹22,10,280 | ₹17,20,000 | ₹4,90,280 |
| 4 | ₹27,06,091 | ₹19,60,000 | ₹7,46,091 |
| 5 | ₹32,57,135 | ₹22,00,000 | ₹10,57,135 |
| 6 | ₹38,69,817 | ₹24,40,000 | ₹14,29,817 |
| 7 | ₹45,51,306 | ₹26,80,000 | ₹18,71,306 |
| 8 | ₹53,09,626 | ₹29,20,000 | ₹23,89,626 |
| 9 | ₹61,53,765 | ₹31,60,000 | ₹29,93,765 |
| 10 | ₹70,93,789 | ₹34,00,000 | ₹36,93,789 |
| 11 | ₹81,40,976 | ₹36,40,000 | ₹45,00,976 |
| 12 | ₹93,07,963 | ₹38,80,000 | ₹54,27,963 |
| 13 | ₹1,06,08,912 | ₹41,20,000 | ₹64,88,912 |
| 14 | ₹1,20,59,699 | ₹43,60,000 | ₹76,99,699 |
| 15 | ₹1,36,78,124 | ₹46,00,000 | ₹90,78,124 |
About Wealth Calculator Pro
Guide1What is the Wealth Calculator Pro?
The Wealth Calculator Pro is an advanced version of the standard wealth calculator that accounts for additional real-world factors such as annual step-ups in contributions, inflation adjustment, multiple income sources, and varying return rates across different investment phases.
This tool is designed for serious financial planners who want a more accurate projection of their wealth trajectory, factoring in career progression, changing risk appetites, and life stage considerations.
2Advanced Features
- Step-Up Contributions: Increase your monthly investment annually to match salary growth
- Inflation-Adjusted View: See your future wealth in today's purchasing power
- Multi-Phase Planning: Set different return rates for accumulation and distribution phases
- Goal Mapping: Align your wealth projection with specific financial goals
- Tax-Adjusted Returns: Factor in expected tax impact on different investment types
3How to Use This Calculator
- Step 1: Enter current investments, monthly contribution, and annual step-up rate
- Step 2: Set different expected returns for different time phases (e.g., aggressive in early years, conservative later)
- Step 3: Input inflation rate for real-value projections
- Step 4: View detailed projections with year-by-year breakdown in both nominal and real terms
4Why Use the Pro Version?
Simple wealth calculators assume constant contributions and returns throughout the period, which rarely happens in real life. The Pro version accounts for:
- Salary increments that allow higher contributions each year
- Changing asset allocation as you age (from aggressive to conservative)
- The erosion effect of inflation on your future corpus
- Different growth rates for different portions of your portfolio