Future Value Calculator India

Future Value Calculator India

Future Value Calculator: Plan Your Financial Growth Accurately

A Future Value Calculator is an important financial tool that will help investors estimate the amount their present investment will grow in the future, taking compound interest into consideration. No matter if you want to save for retirement, a big purchase, or invest in mutual funds, this calculator helps you see your financial future more clearly. You input the initial investment amount, expected interest rate and period, and you can predict your returns with precision.

Future Value Formula

The mathematical formula used by a Future Value Calculator is:

FV = PV × (1 + r)^n

Where:

  • FV = Future Value

  • PV = Present Value (Initial Investment)

  • r = Annual Interest Rate (in decimal)

  • n = Number of Years

For example, if you invest ₹1,00,000 at 8% interest for 10 years, the future value will be ₹2,15,892.

How to Calculate Future Value

  1. Enter Initial Investment – Input your principal amount (e.g., ₹50,000).

  2. Set Interest Rate – Add expected annual returns (e.g., 7.5%).

  3. Choose Time Period – Define investment duration (e.g., 15 years).

  4. Get Results – The calculator displays maturity value and earned interest.

4 Key Benefits of Using a Future Value Calculator

✅ Smart Financial Planning – Forecast returns before investing.
✅ Compare Investment Options – Adjust rates & time to find the best strategy.
✅ Inflation-Adjusted Projections – Helps maintain purchasing power.
✅ Goal-Based Savings – Plan for education, retirement, or home purchases.

Frequently Asked Questions (FAQs) ❓

What will be the value of ₹20 lakhs after 10 years?

The future value depends on the interest rate. For example:

  • At 7% p.a. → ~₹39.34 lakhs

  • At 10% p.a. → ~₹51.87 lakhs

  • At 12% p.a. → ~₹62.12 lakhs
    Use our Future Value Calculator to check different rates.

The formula for annual compounding is:
FV = PV × (1 + r)^n

  • PV = Present Value (e.g., ₹10,00,000)

  • r = Annual interest rate (e.g., 8% = 0.08)

  • n = Time in years (e.g., 5)
    For monthly compounding, adjust the formula:
    FV = PV × (1 + r/12)^(n×12)

Assuming 6% inflation, ₹1 crore in 2024 will have the same purchasing power as ~₹1.79 crore in 2034. For investment growth, if it earns 9% p.a., it could grow to ~₹2.36 crore.

Yes! Our Indian Future Value Calculator supports INR calculations with options for:

  • Inflation-adjusted returns

  • Tax implications (FD, mutual funds)

  • SIP & lump-sum investments

Absolutely! Use our Monthly Future Value Calculator for:

  • SIP (Systematic Investment Plans)

  • Recurring deposits (RD)

  • Monthly compounding interest
    Just enter the monthly contribution, rate, and tenure.

Yes, you can estimate SIP growth by adjusting inputs.

A Future Value Calculator empowers you to make informed financial decisions. Try our free online calculator today and take control of your wealth growth! 🚀💰

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