Future value calculator
Enter a lump sum, a regular payment, the rate and the years. See what it adds up to.
- Lump sum and payments
- Monthly, quarterly or yearly
- Free, no sign-up
Make it tax-efficient
Where you invest changes how much tax you pay on the growth. Our experts fit your goals into your tax plan.
Questions people often ask
Do SIPs save tax?
Only ELSS funds count for 80C, in the old regime, up to ₹1.5 lakh a year with other 80C items.
How are equity fund gains taxed?
Held over a year: 12.5% on gains above ₹1.25 lakh a year. Under a year: 20%.
How money grows
Compounding, period by period.
- The lump sum grows by the rate each period.
- Each payment grows from when it's paid.
- Add them up for the future value.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
Common questions
What is future value?
What money invested today, or paid in regularly, grows to after a number of years at a given rate.
What is the formula?
FV = PV × (1 + r)^n + PMT × ((1 + r)^n − 1) ÷ r, with r the rate per period and n the number of periods. Payments at the start of each period are multiplied by (1 + r) once more.
What is ₹1 lakh worth in 5 years at 10%?
With yearly compounding, ₹1,61,051.
Does compounding frequency matter?
Yes, slightly. Monthly compounding gives a little more than yearly at the same rate.
Start or end of the period?
Paying at the start (like a SIP) gives each payment one extra period of growth.
