Future Value Calculator India — Investment Growth Over Time
Year-wise Growth · Contributions · Inflation Adjusted · Goal Planner
Future value tells you what today's investment is worth tomorrow. ₹5,00,000 invested at 12% CAGR for 15 years has a future value of ₹27,36,788 — your money grows 5.5x without any additional investment. Add ₹10,000/month contribution and FV jumps to ₹84,41,748. Understanding future value is the foundation of every retirement plan, education fund, and financial goal in India. Calculate yours instantly with inflation adjustment.
💹 Compound Interest Calculator
📅 Year-wise Breakdown
| Year | Opening Balance | Interest Earned | Closing Balance | Growth |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹10,381 | ₹1,10,381 | |
| 2 | ₹1,10,381 | ₹11,459 | ₹1,21,840 | |
| 3 | ₹1,21,840 | ₹12,649 | ₹1,34,489 | |
| 4 | ₹1,34,489 | ₹13,962 | ₹1,48,451 | |
| 5 | ₹1,48,451 | ₹15,411 | ₹1,63,862 |
How to Use This Compound Interest Calculator
Enter your Principal, Annual Interest Rate, Time Period, and select Compounding Frequency. Click Calculate to instantly see maturity value, year-wise growth table, and interactive chart — no login required. Switch tabs for contributions, goal planning, and frequency comparison.
Compound Interest Formula Explained
A = P × (1 + r/n)nt — where P = Principal, r = rate (decimal), n = compounding freq/year, t = years. Example: ₹1,00,000 at 10% quarterly for 5 years: A = 1,00,000 × (1.025)20 = ₹1,63,862. Simple interest gives only ₹1,50,000 — CI gives ₹13,862 more!
Real-Life Compound Interest Examples India 2025
🏦 SBI FD (7.1%): ₹10L for 5 years → ₹14.13L maturity (quarterly compounding). 📮 PPF (7.1%): ₹1.5L/year for 15 years → ₹40.68L (tax-free). 📈 Nifty 50 SIP: ₹5,000/month at 12% for 20 years → ₹49.96L (invested ₹12L). 🎓 Child Education: ₹2L today at 12% for 18 years → ₹19.46L for college.
Compound Interest vs Simple Interest
For ₹5,00,000 at 8% for 10 years — Simple Interest: ₹9,00,000. Compound Interest (Quarterly): ₹11,10,537 — ₹2,10,537 more! The power of compounding grows exponentially. At 20 years, the difference triples. Start investing early — even 5 extra years can add lakhs to your corpus.
Frequently Asked Questions
What is the future value formula for lumpsum investment?
FV = PV × (1 + r/n)^(nt). PV = present value, r = annual rate, n = compounding periods/year, t = years. Example: ₹5L at 10% quarterly for 20 years: FV = 5,00,000 × (1 + 0.10/4)^(4×20) = 5,00,000 × (1.025)^80 = 5,00,000 × 7.2095 = ₹36,04,742. The same ₹5L at 14% for 20 years: ₹95,09,264 — nearly ₹60L more for just 4% higher return.
What is the future value of monthly SIP investment?
FV of SIP (annuity) = PMT × [((1+r)^n − 1) ÷ r], where r = monthly rate, n = total months. ₹10,000/month at 12% for 20 years: r = 1%, n = 240. FV = 10,000 × [(1.01)^240 − 1] ÷ 0.01 = 10,000 × 989.26 = ₹99,91,480. Invested ₹24L, total ₹1Cr — 4.16x return. Starting just 5 years later (15 years instead): FV = ₹50,45,792 — you miss ₹49.5L by delaying 5 years.
How does inflation affect future value of investment?
Real FV = Nominal FV ÷ (1 + inflation)^years. Nominal FV at 10%, 20 years: ₹6,72,750. At 6% inflation, real value: ₹6,72,750 ÷ (1.06)^20 = ₹2,09,729 in today's money. Your ₹1L "grows" to ₹6.7L nominally but only ₹2.1L in purchasing power. To maintain real value at 6% inflation: need 6% real return = ≈12.6% nominal return. Equity investments (12–15%) are the only realistic inflation-beaters for long term.
What is NPV vs FV and how are they different?
FV (Future Value): what a present amount is worth in the future. Example: ₹1L today at 10% for 5 years = ₹1.61L FV. NPV (Net Present Value): what future cash flows are worth today (reverse calculation). Example: ₹1.61L receivable in 5 years at 10% discount rate = ₹1L NPV. FV used for: goal planning, investment projection. NPV used for: business decisions, project evaluation, bond pricing. Both use the same time value of money principle.