Compound interest
Watch time and consistency work together.
Estimated future value
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Project an opening investment plus regular monthly contributions. The breakdown shows how much money you put in and how much growth the selected return assumption adds.
Compare the contributed amount with the projected return. Compounding becomes more noticeable over time, but the assumed rate is still a scenario.
A worked example.
Using this calculator’s default inputs, estimated future value is ₹34,57,416. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Investment amount | ₹1,00,000 |
|---|---|
| Monthly investment | ₹5,000 |
| Expected annual return | 8 % |
| Time period | 20 years |
A common mistake to avoid
Comparing two projections that use different compounding or deposit-timing conventions.
Questions you might have.
Are deposits reinvested immediately?
Monthly contributions are assumed at the beginning of the month and all growth remains invested.
Can I model a loss?
This tool is configured for non-negative nominal returns. Future Value supports negative effective-return scenarios.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
The initial investment and beginning-of-month contributions earn the entered annual rate divided by 12, compounded monthly.
Assumptions & things to know
Constant nominal return, monthly contributions and compounding. Taxes, fees and inflation are excluded.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.