What is Future Value Calculator?
Future Value Calculator helps you estimate what an amount today could be worth after a chosen period.
The main result is future value, with a breakdown of total invested. The formula, example and assumptions below explain how to interpret it.
How to use Future Value Calculator
Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.
- Gather present balance (₹), end-of-month contribution (₹), expected annual return (%) and number of months. Use values from the same situation or reporting period.
- Replace the example present balance with your own value, then complete the other fields. Check the displayed units.
- Select Calculate and read future value with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
- Enter present balance in ₹, at least 0. Decimals are accepted.
- Enter end-of-month contribution in ₹, at least 0. Decimals are accepted.
- Enter expected annual return in %, at least 0 and at most 100. Decimals are accepted.
- Enter number of months, at least 1 and at most 1200. Use a whole number.
Future Value Calculator: a worked example
With the inputs below, the result is ₹14,80,232.14 (future value). Follow the example, then replace these illustrative values with your own.
| Input or output | Example value |
|---|---|
| Present balance (₹) | ₹1,00,000 |
| End-of-month contribution (₹) | ₹5,000 |
| Expected annual return (%) | 12 % |
| Number of months | 120 |
| Future value | ₹14,80,232.14 |
| Total invested | ₹7,00,000 |
Understanding the Future Value result
Read future value alongside total invested. These describe different parts of the same calculation.
Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.
- Example Total invested: ₹7,00,000
Future Value Calculator: assumptions and common mistakes
A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.
- Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
- A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.
For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.
