Quantum Wealth Calculator
Advanced Investment Analysis Tool
Understanding Investment Calculators
What is SIP?
A Systematic Investment Plan (SIP) allows you to invest fixed amounts regularly in mutual funds. Benefits include:
- Rupee cost averaging
- Power of compounding
- Disciplined investing
What is Lumpsum Investment?
One-time investment of a large amount, ideal when you have surplus funds. Advantages include:
- Potential for higher returns
- Simplified portfolio management
- Benefit from market timing
Calculation Methodology
SIP Formula
FV = P × [(1 + r)n - 1] × (1 + r) / r
Where:
P = Monthly investment
r = Monthly return rate
n = Number of months
Lumpsum Formula
FV = P × (1 + r)n
Where:
P = Principal amount
r = Annual return rate
n = Number of years
Frequently Asked Questions
Results are estimates based on mathematical formulas and your inputs. Actual returns may vary due to:
- Market fluctuations
- Fund performance
- Economic factors
Yes, we deduct your specified tax rate (default 15%) from returns. However:
- Tax laws vary by country
- LTCG/STCG rules apply
- Consult a tax professional
We show both nominal and inflation-adjusted returns:
- Default inflation rate: 6%
- Adjustable in Advanced Settings
- Calculated using purchasing power formula
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