Future Value Calculator

Future value is what money will be worth after growing at a steady rate. This calculator handles a lump sum, a regular deposit, or both together, with monthly or yearly compounding, so it covers most savings and investment questions.

Added every month or every year, depending on the choice below.
Compounding and deposits
Deposits made at the
Results update as you type.

Future value

₹2,15,892

about 2.16 lakh

Total put in
₹1,00,000
Growth (interest)
₹1,15,8921.16 lakh
Periods
10 years

About this calculator

Choose whether deposits are made at the start of each period, as in most SIPs and recurring savings, or at the end, as in many textbook problems.

How to use it

  1. Enter the amount you have today and any regular deposit.
  2. Enter the yearly rate and the number of years.
  3. Choose yearly or monthly, and whether deposits are at the start or end.
  4. Read the future value.

The formula

FV = PV × (1 + i)n + PMT × [((1 + i)n − 1) ÷ i] × (1 + i if deposits are at the start)
PV
the amount today
PMT
the regular deposit each period
i
the rate per period: yearly rate ÷ 1 or ÷ 12
n
the number of periods

Worked example

₹1 lakh at 8%

  1. Alone, compounded yearly for 10 years: 1,00,000 × 1.0810 = ₹2,15,892.
  2. Adding ₹5,000 every month (monthly compounding, deposits at the start): ₹11,42,792 after 10 years.

What the result means

The growth figure shows how much comes from interest rather than your own money. The longer the period, the larger that share becomes.

Assumptions

  • A constant rate.
  • Deposits are the same every period.

Limitations

  • Taxes and fees are not included.
  • For deposits that rise each year, use the step-up SIP calculator.

Frequently asked questions

What is the difference between start and end of period?

Deposits at the start earn interest for one more period, so the future value is slightly higher.

Is this the same as the SIP calculator?

With no lump sum, monthly deposits at the start, it gives the same answer as the SIP calculator.

Should I choose monthly or yearly?

Match how your money is really added and how interest is credited. Monthly SIPs and RDs are monthly; a PPF deposit once a year is yearly.

For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.

Last reviewed on 1 October 2026. Found a mistake? Tell us.