Gold Investment Calculator
Project the future value of a monthly Gold SIP or one-time lump-sum investment over 1-40 years. Works for Gold ETF, Gold Mutual Fund and Sovereign Gold Bonds.
Final Corpus (after 10 years)
₹11,81,556
1.97× your invested amount.
Total Invested
₹6,00,000
Wealth Gained
₹5,81,556
Monthly Contribution
₹5,000
Total Months
120
How gold compounding works
Gold has delivered approximately 13-15% CAGR over the past decade in India, driven by global gold price appreciation, rupee depreciation against the dollar and persistent central bank buying. A monthly SIP benefits from rupee cost averaging — you buy more units when prices dip and fewer when prices rise — which reduces the risk of buying at a peak.
For a deep dive on which vehicle to choose, see Gold ETF vs Gold Mutual Fund vs SGB. For historical price context, read Gold rate India — 10 year price history. For 2026 outlook, see Gold price forecast 2026.
Disclaimer: Past performance is not indicative of future results. Actual returns will vary based on gold price movement, currency movement, expense ratios and taxes. This tool is for educational purposes only.
Frequently Asked Questions
What return rate should I assume for gold in India?+
Indian gold has delivered ~13-15% CAGR over the past 10 years. Conservative estimate: 8-10%. Aggressive: 15-18%. Use the lower end for planning to leave a margin of safety.
Is the calculator pre-tax or post-tax?+
Returns shown are pre-tax. Gold ETF and Gold MF (purchased post-April 2023) are taxed at slab rate. Sovereign Gold Bonds held to maturity are completely tax-free, making them the most efficient long-term option.
What's the best gold investment vehicle for monthly SIP?+
Gold Mutual Fund (Fund of Funds) is the most SIP-friendly — no demat needed, ₹100-500 minimum, automated monthly investment. Gold ETF requires manual orders unless automated via broker basket.
Should I do gold SIP or lump-sum?+
SIP smooths out price volatility through rupee cost averaging — better for most retail investors. Lump-sum works if you can time a meaningful price dip. For Sovereign Gold Bonds, you buy in tranches whenever RBI issues — neither pure SIP nor pure lump-sum.