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Gold Investment Calculator (SIP & Lump Sum)

Two questions people ask before buying gold: "If I put aside a fixed amount every month, what will I have?" and "What would gold I bought years ago be worth now?" The first calculator answers the SIP question; the second back-tests a past purchase against today's live price.

Gold SIP Calculator

Estimate what a fixed monthly gold purchase (digital gold, gold ETF or gold savings scheme) could grow to.

Invested
₹6,00,000
Est. gain
₹4,32,760
Est. value
₹10,32,760

≈ 68.05 g of 24K gold at today's rate (₹15,176/g).

Dark = money invested · light = estimated value, per year.

Step-by-step calculation
  1. Monthly rate i = 10% ÷ 12 = 0.8333%
  2. Instalments n = 10 × 12 = 120
  3. FV = P × [((1+i)^n − 1) ÷ i] × (1+i)
  4. FV = ₹5,000 × … = ₹10,32,760

Lump-sum back-test (PKR)

Example: ₹5,000 a month for 10 years

You invest ₹6,00,000 in total. At 10% a year the SIP grows to about ₹10.3 lakh; at 8% about ₹9.2 lakh; at 12% about ₹11.6 lakh. The gap between those three numbers is the real lesson — the assumed return matters more than a few hundred rupees of monthly amount.

Frequently Asked Questions