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Future Value

Future Value Calculator — Project Your Savings Growth

Project how a lump sum, with an optional regular contribution on top, grows over time at a given annual interest rate — see the total future value, what you contributed, and what you earned.

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💰 Projected Results

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Disclaimer: Results provided by this calculator are for educational and estimation purposes only. They do not constitute formal financial, investment, or tax advice. Actual returns, rates, and tax treatment depend on your specific circumstances and prevailing regulations. Consult a certified financial advisor or chartered accountant before making financial decisions.

How Future Value Is Calculated

Future value projects how much a sum of money today will be worth after it grows at a given interest rate for a number of years. For a lump sum with no ongoing contributions, the formula is FV = PV × (1 + r)^n, where PV is your present value, r is the annual rate as a decimal, and n is the number of years.

If you add a regular contribution, this calculator layers on the annuity growth formula: FV = PV × (1 + r)^n + PMT × (((1 + r)^n − 1) / r). When your contribution is monthly, the rate and period are converted to a monthly basis first (annual rate ÷ 12, years × 12) so the contributions compound on the same schedule you're actually investing on — this keeps the projection realistic for SIP-style monthly investing, which is how most people build savings over time.

Reading Your Results

The results separate total contributed — your starting amount plus every contribution you added yourself — from total growth, which is purely what compounding earned on top. Watching that growth figure climb relative to your own contributions is a useful way to see the payoff of starting early and staying consistent.

Frequently Asked Questions

More than most people expect over a long horizon. Because each contribution has time to compound on its own, adding even a modest monthly amount to a lump sum can meaningfully boost the final total compared to leaving the lump sum alone — the earlier and more consistently you contribute, the larger that boost becomes.
When you're adding money on a monthly schedule, each contribution needs to compound over a matching monthly period rather than being force-fit into an annual formula — otherwise the growth calculation for the contributed amounts would be inaccurate. Converting the annual rate to a monthly rate keeps the compounding period consistent with how often you're actually investing.
Total contributed is simply the money you put in yourself — your starting amount plus every periodic contribution added up. Total growth is everything the calculator projects your money will earn on top of that, purely from interest. Separating the two helps you see how much of your final balance came from your own saving discipline versus how much came from compounding.
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