Future Value Calculator
Find what your money grows into with compound interest at any frequency. Add periodic deposits and see the full growth schedule.
Future value
$2,21,964
After 10 years, monthly compounding
Interest earned
$1,21,964
Growth on top of what you put in
Total contributed
$1,00,000
Single lump sum
Growth multiple
2.22×
Future value vs total contributed
Growth schedule
| Period | Start balance | Deposit | Interest | End balance |
|---|---|---|---|---|
| 1 | $$1,00,000 | $$0 | $$667 | $1,00,667 |
| 2 | $$1,00,667 | $$0 | $$671 | $1,01,338 |
| 3 | $$1,01,338 | $$0 | $$676 | $1,02,013 |
| 4 | $$1,02,013 | $$0 | $$680 | $1,02,693 |
| 5 | $$1,02,693 | $$0 | $$685 | $1,03,378 |
| 6 | $$1,03,378 | $$0 | $$689 | $1,04,067 |
| 7 | $$1,04,067 | $$0 | $$694 | $1,04,761 |
| 8 | $$1,04,761 | $$0 | $$698 | $1,05,459 |
| 9 | $$1,05,459 | $$0 | $$703 | $1,06,163 |
| 10 | $$1,06,163 | $$0 | $$708 | $1,06,870 |
| 11 | $$1,06,870 | $$0 | $$712 | $1,07,583 |
| 12 | $$1,07,583 | $$0 | $$717 | $1,08,300 |
| 13 | $$1,08,300 | $$0 | $$722 | $1,09,022 |
| 14 | $$1,09,022 | $$0 | $$727 | $1,09,749 |
| 15 | $$1,09,749 | $$0 | $$732 | $1,10,480 |
| 16 | $$1,10,480 | $$0 | $$737 | $1,11,217 |
| 17 | $$1,11,217 | $$0 | $$741 | $1,11,958 |
| 18 | $$1,11,958 | $$0 | $$746 | $1,12,705 |
| 19 | $$1,12,705 | $$0 | $$751 | $1,13,456 |
| 20 | $$1,13,456 | $$0 | $$756 | $1,14,213 |
| 21 | $$1,14,213 | $$0 | $$761 | $1,14,974 |
| 22 | $$1,14,974 | $$0 | $$766 | $1,15,740 |
| 23 | $$1,15,740 | $$0 | $$772 | $1,16,512 |
| 24 | $$1,16,512 | $$0 | $$777 | $1,17,289 |
| 25 | $$1,17,289 | $$0 | $$782 | $1,18,071 |
| 26 | $$1,18,071 | $$0 | $$787 | $1,18,858 |
| 27 | $$1,18,858 | $$0 | $$792 | $1,19,650 |
| 28 | $$1,19,650 | $$0 | $$798 | $1,20,448 |
| 29 | $$1,20,448 | $$0 | $$803 | $1,21,251 |
| 30 | $$1,21,251 | $$0 | $$808 | $1,22,059 |
| 31 | $$1,22,059 | $$0 | $$814 | $1,22,873 |
| 32 | $$1,22,873 | $$0 | $$819 | $1,23,692 |
| 33 | $$1,23,692 | $$0 | $$825 | $1,24,517 |
| 34 | $$1,24,517 | $$0 | $$830 | $1,25,347 |
| 35 | $$1,25,347 | $$0 | $$836 | $1,26,182 |
| 36 | $$1,26,182 | $$0 | $$841 | $1,27,024 |
| 37 | $$1,27,024 | $$0 | $$847 | $1,27,871 |
| 38 | $$1,27,871 | $$0 | $$852 | $1,28,723 |
| 39 | $$1,28,723 | $$0 | $$858 | $1,29,581 |
| 40 | $$1,29,581 | $$0 | $$864 | $1,30,445 |
| 41 | $$1,30,445 | $$0 | $$870 | $1,31,315 |
| 42 | $$1,31,315 | $$0 | $$875 | $1,32,190 |
| 43 | $$1,32,190 | $$0 | $$881 | $1,33,071 |
| 44 | $$1,33,071 | $$0 | $$887 | $1,33,959 |
| 45 | $$1,33,959 | $$0 | $$893 | $1,34,852 |
| 46 | $$1,34,852 | $$0 | $$899 | $1,35,751 |
| 47 | $$1,35,751 | $$0 | $$905 | $1,36,656 |
| 48 | $$1,36,656 | $$0 | $$911 | $1,37,567 |
| 49 | $$1,37,567 | $$0 | $$917 | $1,38,484 |
| 50 | $$1,38,484 | $$0 | $$923 | $1,39,407 |
| 51 | $$1,39,407 | $$0 | $$929 | $1,40,336 |
| 52 | $$1,40,336 | $$0 | $$936 | $1,41,272 |
| 53 | $$1,41,272 | $$0 | $$942 | $1,42,214 |
| 54 | $$1,42,214 | $$0 | $$948 | $1,43,162 |
| 55 | $$1,43,162 | $$0 | $$954 | $1,44,116 |
| 56 | $$1,44,116 | $$0 | $$961 | $1,45,077 |
| 57 | $$1,45,077 | $$0 | $$967 | $1,46,044 |
| 58 | $$1,46,044 | $$0 | $$974 | $1,47,018 |
| 59 | $$1,47,018 | $$0 | $$980 | $1,47,998 |
| 60 | $$1,47,998 | $$0 | $$987 | $1,48,985 |
| 61 | $$1,48,985 | $$0 | $$993 | $1,49,978 |
| 62 | $$1,49,978 | $$0 | $$1,000 | $1,50,978 |
| 63 | $$1,50,978 | $$0 | $$1,007 | $1,51,984 |
| 64 | $$1,51,984 | $$0 | $$1,013 | $1,52,997 |
| 65 | $$1,52,997 | $$0 | $$1,020 | $1,54,017 |
| 66 | $$1,54,017 | $$0 | $$1,027 | $1,55,044 |
| 67 | $$1,55,044 | $$0 | $$1,034 | $1,56,078 |
| 68 | $$1,56,078 | $$0 | $$1,041 | $1,57,118 |
| 69 | $$1,57,118 | $$0 | $$1,047 | $1,58,166 |
| 70 | $$1,58,166 | $$0 | $$1,054 | $1,59,220 |
| 71 | $$1,59,220 | $$0 | $$1,061 | $1,60,282 |
| 72 | $$1,60,282 | $$0 | $$1,069 | $1,61,350 |
| 73 | $$1,61,350 | $$0 | $$1,076 | $1,62,426 |
| 74 | $$1,62,426 | $$0 | $$1,083 | $1,63,509 |
| 75 | $$1,63,509 | $$0 | $$1,090 | $1,64,599 |
| 76 | $$1,64,599 | $$0 | $$1,097 | $1,65,696 |
| 77 | $$1,65,696 | $$0 | $$1,105 | $1,66,801 |
| 78 | $$1,66,801 | $$0 | $$1,112 | $1,67,913 |
| 79 | $$1,67,913 | $$0 | $$1,119 | $1,69,032 |
| 80 | $$1,69,032 | $$0 | $$1,127 | $1,70,159 |
| 81 | $$1,70,159 | $$0 | $$1,134 | $1,71,293 |
| 82 | $$1,71,293 | $$0 | $$1,142 | $1,72,435 |
| 83 | $$1,72,435 | $$0 | $$1,150 | $1,73,585 |
| 84 | $$1,73,585 | $$0 | $$1,157 | $1,74,742 |
| 85 | $$1,74,742 | $$0 | $$1,165 | $1,75,907 |
| 86 | $$1,75,907 | $$0 | $$1,173 | $1,77,080 |
| 87 | $$1,77,080 | $$0 | $$1,181 | $1,78,260 |
| 88 | $$1,78,260 | $$0 | $$1,188 | $1,79,449 |
| 89 | $$1,79,449 | $$0 | $$1,196 | $1,80,645 |
| 90 | $$1,80,645 | $$0 | $$1,204 | $1,81,849 |
| 91 | $$1,81,849 | $$0 | $$1,212 | $1,83,062 |
| 92 | $$1,83,062 | $$0 | $$1,220 | $1,84,282 |
| 93 | $$1,84,282 | $$0 | $$1,229 | $1,85,511 |
| 94 | $$1,85,511 | $$0 | $$1,237 | $1,86,747 |
| 95 | $$1,86,747 | $$0 | $$1,245 | $1,87,992 |
| 96 | $$1,87,992 | $$0 | $$1,253 | $1,89,246 |
| 97 | $$1,89,246 | $$0 | $$1,262 | $1,90,507 |
| 98 | $$1,90,507 | $$0 | $$1,270 | $1,91,777 |
| 99 | $$1,91,777 | $$0 | $$1,279 | $1,93,056 |
| 100 | $$1,93,056 | $$0 | $$1,287 | $1,94,343 |
| 101 | $$1,94,343 | $$0 | $$1,296 | $1,95,639 |
| 102 | $$1,95,639 | $$0 | $$1,304 | $1,96,943 |
| 103 | $$1,96,943 | $$0 | $$1,313 | $1,98,256 |
| 104 | $$1,98,256 | $$0 | $$1,322 | $1,99,578 |
| 105 | $$1,99,578 | $$0 | $$1,331 | $2,00,908 |
| 106 | $$2,00,908 | $$0 | $$1,339 | $2,02,247 |
| 107 | $$2,02,247 | $$0 | $$1,348 | $2,03,596 |
| 108 | $$2,03,596 | $$0 | $$1,357 | $2,04,953 |
| 109 | $$2,04,953 | $$0 | $$1,366 | $2,06,319 |
| 110 | $$2,06,319 | $$0 | $$1,375 | $2,07,695 |
| 111 | $$2,07,695 | $$0 | $$1,385 | $2,09,079 |
| 112 | $$2,09,079 | $$0 | $$1,394 | $2,10,473 |
| 113 | $$2,10,473 | $$0 | $$1,403 | $2,11,876 |
| 114 | $$2,11,876 | $$0 | $$1,413 | $2,13,289 |
| 115 | $$2,13,289 | $$0 | $$1,422 | $2,14,711 |
| 116 | $$2,14,711 | $$0 | $$1,431 | $2,16,142 |
| 117 | $$2,16,142 | $$0 | $$1,441 | $2,17,583 |
| 118 | $$2,17,583 | $$0 | $$1,451 | $2,19,034 |
| 119 | $$2,19,034 | $$0 | $$1,460 | $2,20,494 |
| 120 | $$2,20,494 | $$0 | $$1,470 | $2,21,964 |
The future value of a lump sum plus any regular deposits at a fixed rate. For a deposit, the start-of-period option earns one extra period of interest per payment. Returns are assumed fixed — actual instruments vary.
Last updated: April 2026
How this calculator is verified
Checked by True Calculator automated test suite on
- Formula verified against a published worked example in the automated test suite
- Edge cases (zero, negative, boundary and unit-mismatch inputs) covered by unit tests
The full verification method is on our how we verify page. Found an error? Tell us and we will re-check it.
When to Use This Calculator
Use this calculator whenever you need the future value of a single lump sum — the building block of most financial planning. It answers questions like what ₹5 lakh in an FD will be worth at maturity, or how much a ₹10 lakh investment grows into over a decade. For India-based planning it is the forward half of goal math: estimate what a fixed-deposit or debt investment will be worth when a goal arrives, then compare it with the goal's projected cost. It is also the foundation for understanding compound interest, since the interest card makes visible how much of the growth is the bank's money versus your own. The present value calculator is the mirror image — use the two together to check that a future goal and today's investment are consistent.
How to Use This Calculator
- Step 1: Enter the amount you have today — leave it at 0 if you are only making regular deposits.
- Step 2: Set the annual interest rate and the number of years, then choose the compounding frequency.
- Step 3: Optional: add a fixed deposit each period and choose whether it lands at the start or the end of the period.
- Step 4: Read the future value, interest and total contributed, and scroll the growth schedule to see how the balance builds period by period.
Worked Example
Suppose you invest 1,000 today at 6% per year and add 100 at the end of every year for 10 years. Enter 1000 as the amount today, 6 as the rate, 10 as the period, 100 as the deposit and "end of period" as the timing. The calculator returns a future value of 3,108.93, of which 1,108.93 is interest and 2,000 is what you actually put in — the 1,000 lump sum plus 10 deposits of 100. The growth schedule shows the balance climbing from 1,160 in period 1 to 3,108.93 in period 10, matching a standard annuity calculation.
Tips and Common Mistakes
- •Tip 1: For the same nominal rate, monthly compounding beats yearly compounding, so compare frequencies at the same rate before choosing a deposit.
- •Tip 2: Deposits at the start of each period earn one extra period of interest each, which adds up over long terms.
- •Tip 3: Use the Rule of 72 for a quick check: divide 72 by the rate to approximate doubling time — at 8%, about 9 years.
- ✗Mistake 1: Avoid treating the projected value as guaranteed — rates change and instruments are not risk-free.
- ✗Mistake 2: Avoid entering a monthly rate when the calculator asks for the annual rate, which compounds the wrong number every period.
Sources and References
Official sources are linked so you can confirm the current rate yourself. Check the linked page for the latest notification before relying on these figures.
Frequently Asked Questions
What is future value in simple terms?
It is what a sum of money today will be worth on a future date at a given interest rate, assuming all interest is reinvested. ₹1,00,000 today at 8% for 10 years, compounded monthly, becomes ₹2,21,964 — the future value.
Why does compounding frequency matter?
The more often interest is credited, the sooner it starts earning interest itself. Monthly compounding beats yearly compounding at the same rate — ₹1,00,000 at 8% over 10 years grows to ₹2,21,964 monthly vs ₹2,15,893 yearly.
How do I use this for a financial goal?
Work backwards: decide the goal amount and horizon, then this calculator (or the present value tool) tells you what to invest today at your assumed rate. It also works forwards — check what an existing lump sum will be worth when a goal arrives.
What is the Rule of 72?
Divide 72 by the annual rate to approximate how many years it takes money to double. At 8%, roughly 9 years (72 ÷ 8). It is a quick mental check — the precise doubling time for 8% is about 9.01 years. Use it to sanity-check calculator results.
How does inflation interact with future value?
Future value is nominal — it ignores what money buys. If inflation averages 6% over the same 10 years, ₹2,21,964 in the future is worth only about ₹1,22,000 in today's rupees. For real goals, compare nominal growth against expected inflation.
Compare these tools
- Gratuity Calculator (India) — Calculate gratuity under the Payment of Gratuity Act, 1972 with the 15/26 formula and the ₹20 lakh tax-exempt cap for Indian employees
- GST Calculator (India) — Add or remove GST from any amount, with CGST + SGST split for intra-state and IGST for inter-state supplies
- Home Loan EMI Calculator — Calculate your home loan EMI, total interest and amortization schedule
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