Real Price Calculator

What a purchase or a habit really costs, once you count what the money could have become.

How to use this tool

Pick “A big purchase” for something you want to buy, or “A habit” for a regular spend like coffee or food delivery.
Type today’s price, or the amount you want to have, and when you want it.
Add what you have already put aside and what you can put in each month, and the tool shows when you could get there.
Move the return to see how the answer changes, and tap “How this is worked out” to check the maths.

What are you saving for?

Is it a price today, or an amount you want to have?

What does it cost today?

I want it in 3 years

Already put aside for it

Optional. Savings set aside for this, invested from now.

What you can put in each month

a month

Optional. We’ll show when that could get you there.

Return you assume, a year10%

What a well-allocated portfolio is usually planned around over the long run. Where you sit in this range depends on your risk profile.

Nothing you enter here is saved or stored. This is just for you to explore.

To pay for the car comfortably, put aside about

₹23,000 a month

The car costs ₹8 L today. With prices rising 6% a year, it is likely to cost about ₹9.53 L in 3 years. Growing at 10% a year, that could build about ₹9.62 L: about ₹8.28 L of it your own money, and the rest growth.

How ₹23,000 a month could build ₹9.62 L

The price by then. With prices rising 6% a year for 3 years, a price multiplies by 1.06 × 1.06 × 1.06 = 1.191. So ₹8,00,000 × 1.191 = about ₹9,52,813.
The monthly amount. Growing at 10% a year, ₹22,773 a month could reach about that. It is rounded up to ₹23,000, so at that return it shouldn’t fall short.
How it grows. Each month’s money goes in at the start of the month and grows until the end of it.

10% a year works out to about 0.797% a month: growing by that every month for 12 months makes 10% in a year.

Month 1: ₹23,000 goes in, and grows to ₹23,183 by the month’s end.
Month 2: another ₹23,000 goes in, making ₹46,183, which grows to ₹46,552.
And so on, every month. The table shows where it stands at the end of each year.

₹23,000 a month for 3 years, at 10% a year
Year	Put in so far	Growth so far	Worth at the end
1	₹2,76,000	₹14,732	₹2,90,732
2	₹5,52,000	₹58,538	₹6,10,538
3	₹8,28,000	₹1,34,324	₹9,62,324

In year 1, ₹2,76,000 went in but grew only about ₹14,732. Each month’s money is invested for just part of the year (the first month’s for 12 months, the last month’s for 1). From year 2, the whole amount grows all year, so growth speeds up.

Of the ₹9,62,324 at the end, ₹8,28,000 is your own money, and ₹1,34,324 is growth.

Worked out in full and shown rounded (the multipliers to four decimal places, money to the rupee), so a sum done by hand can differ slightly. An illustration to help you think, not a promise.

If you had invested this amount instead of spending it, 5 years ago

₹8 L could now be ₹12.88 L

₹8 L invested 5 years ago could be worth about ₹12.88 L today, at 10% a year: about ₹4.88 L more than you put in.

How ₹8 L could have become ₹12.88 L

₹8,00,000 invested once, 5 years ago, growing at 10% a year: each year it is worth 1.1 times what it was the year before.
Over 5 years that multiplies it by 1.1 × 1.1 × … (5 times) = 1.6105. So ₹8,00,000 × 1.6105 = about ₹12,88,408.

₹8,00,000 invested once, at 10% a year
Year	Put in so far	Growth so far	Worth at the end
1	₹8,00,000	₹80,000	₹8,80,000
2	₹8,00,000	₹1,68,000	₹9,68,000
3	₹8,00,000	₹2,64,800	₹10,64,800
4	₹8,00,000	₹3,71,280	₹11,71,280
5	₹8,00,000	₹4,88,408	₹12,88,408

Worked out in full and shown rounded (the multipliers to four decimal places, money to the rupee), so a sum done by hand can differ slightly. An illustration to help you think, not a promise.

These are general illustrations to help you think, not advice for your situation and not a promise. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Want help putting this aside, a little each month? Talk to VMF.

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