Future Value Calculator

Investment

See what your money could be worth in the future once compound growth and regular contributions do their work.

Free · No sign-up · Private5 min readUpdated 26 July 2026

In short: The Future Value Calculator is a free online tool that lets you project the future value of a lump sum plus monthly contributions — instantly, with charts, a worked example and the exact formula.

Describe it and let AI fill the form

Your inputs

Results

Total value

₹4,17,725

Invested amount

₹1,00,000

Money you put in

Est. returns

₹3,17,725

Wealth gained

AI insights

You put in ₹1,00,000 and it grows to ₹4,17,725 — about 4.2× your money, with ₹3,17,725 earned on top.
Roughly 76% of the final value is growth, not your own contributions — the compounding is doing the heavy lifting.
Staying invested longer, or stepping the amount up each year, tilts this even further in your favour.

Explain my result with AI

A plain-English read of your numbers.

Invested vs future value

How your money and its returns compound over time.

Year-wise growth

Year-wise growth
Year	Invested	Est. returns	Future value
1	₹1,00,000	₹10,000	₹1,10,000
2	₹1,00,000	₹21,000	₹1,21,000
3	₹1,00,000	₹33,100	₹1,33,100
4	₹1,00,000	₹46,410	₹1,46,410
5	₹1,00,000	₹61,051	₹1,61,051
6	₹1,00,000	₹77,156	₹1,77,156
7	₹1,00,000	₹94,872	₹1,94,872
8	₹1,00,000	₹1,14,359	₹2,14,359
9	₹1,00,000	₹1,35,795	₹2,35,795
10	₹1,00,000	₹1,59,374	₹2,59,374

Lump sum compounded annually; contributions compounded monthly.

Formula

FV = P × (1 + r)ⁿ + Contribution FV

FV: Future value
P: Initial lump sum invested
r: Annual rate of return (as a decimal)
n: Number of years invested

Step-by-step calculation

Worked with the default values.

1
Lump sum future value
₹1,00,000 × (1 + 10%)^15
= ₹4,17,725
2
Contributions future value
SIP FV of monthly additions
= ₹0
3
Total future value
Lump sum FV + Contributions FV
= ₹4,17,725

How it works

The initial lump sum grows by compounding at the assumed annual return each year.
Each monthly contribution is added and then compounds for the remaining months until the horizon.
Adding the two streams together gives the total future value, of which the excess over what you invested is your return.

Examples

₹1,00,000 lump sum for 15 years at 10% p.a., no contributions

Grows to roughly ₹4.18 lakh purely from compounding.

₹1,00,000 plus ₹5,000/month for 15 years at 10% p.a.

Reaches about ₹25 lakh, with contributions and returns combined.

Understanding the Future Value Calculator

What future value tells you

Future value answers a simple but powerful question: if I invest this money today and add to it regularly, what will it be worth years from now? By projecting a starting lump sum and optional monthly contributions forward at an assumed rate of return, the calculator turns an abstract savings plan into a concrete number you can aim for.

The maths combines two streams. The lump sum compounds on itself each year, so its growth accelerates over time. The monthly contributions each compound for however long they stay invested, using the standard SIP formula. Added together, they produce the total future value, and the amount above what you actually put in is your return.

Why compounding does the heavy lifting

In the early years, most of your balance is simply the money you contributed. But as returns pile on top of returns, the growth curve steepens. A ₹1 lakh lump sum at 10% roughly quadruples over 15 years without you adding a rupee. Layer on a ₹5,000 monthly contribution and the same period can build a corpus of around ₹25 lakh. The longer the horizon, the larger the share of the final figure that comes from returns rather than contributions.

What drives the result

Three inputs shape the outcome:

Amounts — your starting lump sum and how much you add each month.
Return rate — equity funds have historically delivered around 10–12% over long periods, though this varies.
Time horizon — the single most influential factor because compounding is exponential.

Reading the number sensibly

The future value shown here is nominal. Inflation quietly erodes purchasing power, so ₹25 lakh two decades out may buy what a fraction of that buys today. Always discount the result by an inflation estimate to judge whether it truly meets your goal, and remember that taxes and charges will trim the amount you finally keep. Used as a planning guide rather than a guarantee, future value is one of the most motivating numbers in personal finance — it makes the reward for patience impossible to ignore.

Pros

Combines a lump sum and monthly contributions in a single projection.
Makes the power of long-term compounding visual and concrete.
Helps set realistic savings targets for goals like retirement or a home.
Simple inputs — principal, contribution, rate and time — cover most scenarios.
Year-wise table shows exactly how the corpus builds each year.

Cons

Assumes a constant return, whereas real markets are volatile.
Shows nominal value only, so it can overstate real purchasing power.
Ignores taxes and charges that reduce the amount you actually keep.
Not suited to irregular or one-off contributions on varying dates.

Tips

1Increase your monthly contribution each year to keep pace with income and inflation.
2Use a conservative return assumption so you are pleasantly surprised, not disappointed.
3Discount the future value by inflation to see what it really buys.
4Start with whatever lump sum you have today — time in the market beats timing it.
5Re-run the projection annually and adjust contributions to stay on track.

Frequently asked questions

Everything you need to know about the Future Value Calculator.

What is future value?

Future value is what a sum of money invested today will be worth at a later date, given an assumed rate of return. It is the mirror image of present value, which discounts a future amount back to today.

Does this account for monthly contributions?

Yes. You can add a recurring monthly contribution on top of the lump sum. Each contribution compounds for the time it stays invested, so earlier contributions grow more than later ones.

How is the lump sum compounded here?

The starting lump sum is compounded annually, while the monthly contributions are compounded monthly using the standard SIP formula. Combining both gives a realistic estimate for mixed investing.

What return rate should I assume?

For Indian equity mutual funds, 10–12% p.a. over long horizons is a reasonable assumption; fixed deposits sit around 6–7%. Use a conservative figure and revisit it as conditions change.

Is the future value guaranteed?

No. Market-linked returns vary year to year, so the figure is an estimate based on a constant assumed rate. Only instruments like fixed deposits offer a contractually fixed return.

Does future value consider inflation?

This calculator shows the nominal future value. To understand real purchasing power, discount the result by your expected inflation rate — ₹25 lakh in 15 years buys far less than ₹25 lakh today.

How does time affect future value?

Time is the most powerful lever because compounding is exponential. Doubling the horizon far more than doubles the outcome, which is why starting early beats investing larger amounts later.

Can I use this for retirement planning?

Yes. Enter your current savings as the lump sum and your monthly SIP as the contribution to project a retirement corpus. Pair it with an inflation estimate to judge whether it will be enough.

What is the difference between future value and maturity value?

They are effectively the same idea — the value at the end of the investment period. Maturity value is the term used for fixed-tenure products like FDs and RDs, while future value is the general finance term.

Methodology & sources

How the Future Value Calculator is calculated, and where the underlying rules come from.

How we calculate it

Every result is produced by a single, shared and tested financial-formula library used across the whole site — so the maths is consistent from one calculator to the next. Figures are estimates based on the inputs you enter and standard assumptions (such as regular compounding and constant rates); real-world outcomes vary with taxes, fees and changing rates. All calculations run in your browser — nothing you type is stored or sent to a server.

Sources & references

Editorial policy & disclaimer. FinCalcHub provides free educational tools and estimates — not personalised financial, tax or investment advice. Verify important decisions with a qualified professional. Read our editorial approach, disclaimer and privacy policy.

Reviewed by Dhirendra Bisht, Founder & Lead Engineer, FinCalcHub — last reviewed 26 July 2026.

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