Future value calculator
Project a balance with flexible contribution timing.
Projected future value
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Project an opening amount plus contributions made monthly, quarterly or yearly. You can choose beginning- or end-of-period contributions and a negative return scenario.
This tool starts from an effective annual return, then derives the equivalent periodic return. That convention differs from dividing a nominal annual rate by 12.
A worked example.
Using this calculator’s default inputs, projected future value is ₹20,17,135. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Investment amount | ₹1,00,000 |
|---|---|
| Contribution per period | ₹10,000 |
| Effective annual return | 8 % |
| Contribution frequency | Monthly |
| Number of years | 10 years |
| When contributions are made | End of each period |
A common mistake to avoid
Comparing it directly with a nominal-rate projection while assuming the rate conventions are identical.
Questions you might have.
Can it model losses?
Yes. The permitted negative effective-return range lets you explore a declining investment scenario.
Are contributions indexed to inflation?
No. They remain fixed. Use Step-up SIP to explore an annual contribution increase.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Periodic return = (1 + effective annual return)^(1/frequency) − 1. Apply the return and contributions in the chosen order for every period.
Assumptions & things to know
The annual return here is effective, unlike tools using a nominal rate divided by 12. Constant return; no taxes or fees. Negative returns are allowed as a scenario.
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.