Future Value Calculator
Calculate the future value of a lump sum with or without regular contributions.
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Compound Interest
See how money grows with monthly contributions, annual step-up and yearly top-ups.
SIP / Recurring
Calculate returns from monthly investments with step-up and full yearly breakdown.
Savings Goal
How long to reach a savings goal โ or how much to save monthly to hit it by a date.
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๐ก Expert Tips
Future value grows exponentially with time.
Start early โ time is more powerful than rate.
How to read your result
The projected value is only as reliable as the return rate assumption โ small differences in the assumed rate compound into large differences over long horizons, so it's worth running this at a conservative, a moderate, and an optimistic rate to see the realistic range rather than trusting one single-point estimate.
โ ๏ธ Common Mistakes
โ Using an optimistic return rate for the entire projection period.
โ Historical long-run equity returns (10-12%) are a reasonable planning assumption, but recent strong years shouldn't be extrapolated forward indefinitely โ a conservative assumption avoids an unpleasant surprise later.
โ Ignoring the impact of inflation on the future value's real purchasing power.
โ A future value of โน1 crore in 25 years will buy meaningfully less than โน1 crore today โ consider running an inflation-adjusted comparison to understand what the projected amount is really worth.
Frequently Asked
What is future value?โพ
The value of a current asset at a future date based on an assumed growth rate.
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Compound Interest Calculator
Example 1 โ Lump sum, no contributions
A = 1,00,000 ร (1.10)^10 โ โน2,59,374 โ more than 2.5ร growth