Future Value (FV) is the value of a current asset at a specified date in the future based on an assumed growth rate. Understanding future value is crucial for financial planning as it helps you determine how much your investments will be worth in the future, allowing you to plan for goals like retirement, education, or major purchases.

Our Future Value calculator uses the formula FV = PV × (1 + r)ⁿ for lump sum investments, and FV = PMT × ((1 + r)ⁿ - 1) / r for periodic investments, where PV is the present value, PMT is the periodic payment, r is the interest rate per period, and n is the number of periods. The calculator combines these formulas to handle both initial investments and regular deposits, giving you a comprehensive view of your investment's growth over time.

When deposits are made at the beginning of each period, they earn interest for the entire period. When made at the end, they don't earn interest until the following period. Beginning-of-period deposits result in slightly higher returns because your money has more time to grow. For example, with monthly deposits over many years, the difference can be significant.

This calculator shows nominal future value without accounting for inflation or taxes. To estimate real purchasing power, you can subtract the expected inflation rate from your return rate. For example, if you expect 8% returns and 3% inflation, use 5% as your effective return rate. For after-tax returns, you'll need to adjust based on your tax bracket and whether the investment is in a tax-advantaged account.

For retirement planning, enter your current savings as the present value, your expected annual contributions as the periodic deposit, your expected rate of return (typically 6-8% for a balanced portfolio), and the number of years until retirement. The result will show you the potential size of your retirement nest egg, which you can compare against your retirement income needs.

Realistic rates of return depend on your investment choices and time horizon. Historically, Indian equity markets have delivered around 12-15% annual returns over long periods, while debt instruments might yield 6-8%. For a balanced portfolio, 8-10% may be reasonable. For conservative planning, it's advisable to use more modest projections (6-8%) to account for market fluctuations and periods of underperformance.

This demonstrates the power of compound interest. Even a 1% difference in return rate can dramatically affect your final amount over long periods due to compounding. For example, ₹10,000 invested for 30 years at 8% grows to about ₹1 lakh, but at 9% it reaches ₹1.3 lakhs—30% more. This is why starting early and seeking slightly higher returns can significantly impact long-term wealth accumulation.

It's advisable to review your future value projections annually or whenever you experience significant financial changes such as salary increases, inheritance, or changes in financial goals. Regular reviews help ensure your investment strategy remains aligned with your goals and allow you to make adjustments for any shortfalls or changes in market conditions or personal circumstances.

The future value of ₹1 lakh invested for 10 years at 8% annual interest would be approximately ₹2.16 lakhs. This calculation uses the compound interest formula FV = PV × (1 + r)ⁿ. Our calculator instantly computes these values for any amount, interest rate, and time period you enter, helping you visualize your investment's growth potential.

For a ₹10,000 monthly SIP for 20 years at 12% annual returns, the future value would be approximately ₹1.06 crores. At 10% returns, it would be around ₹76 lakhs, and at 8% returns, about ₹59 lakhs. Our calculator lets you instantly see how different return rates affect your SIP investments, helping you set realistic financial goals based on various market scenarios.

Future value is a general financial concept showing what any investment will be worth later, while maturity value specifically refers to what a fixed deposit will be worth at the end of its term. For fixed deposits, the future value and maturity value are identical. Both use similar compound interest calculations, but bank FD maturity values are guaranteed, while general future value projections are estimates based on expected returns.

PPF currently offers 7.1% guaranteed returns, giving a future value of approximately ₹35 lakhs on a monthly investment of ₹12,500 over 15 years. Equity mutual funds historically deliver 12-14% (though not guaranteed), potentially yielding ₹65-75 lakhs with the same investment. PPF offers tax-free returns and government backing, while mutual funds offer higher growth potential with higher risk. Our calculator helps compare these scenarios.

Investing ₹5,000 monthly for your child's education can yield approximately: ₹8 lakhs after 10 years at 10% returns, ₹23 lakhs after 15 years, or ₹49 lakhs after 20 years. For higher education planning, longer investment horizons significantly improve outcomes. Use our calculator to adjust these projections based on your child's age, education timeline, and your risk tolerance.

Future value is the end amount your investment will grow to, while CAGR is the uniform annual rate of return needed to reach that amount. For example, if ₹1 lakh grows to ₹2 lakhs in 5 years, the future value is ₹2 lakhs, and the CAGR is 14.87%. Our calculator focuses on determining future value, but the results can help you understand the implicit CAGR of your investment strategy.

During high inflation periods (7%+ in India), adjust your expected return rate to reflect "real returns" by subtracting inflation. For example, if you expect 12% investment returns during 8% inflation, use 4% as your effective rate in our calculator. This gives you future value in today's purchasing power. Alternatively, calculate using nominal rates and then separately adjust the result by dividing it by (1 + inflation rate)ⁿ.

To calculate future value of property investment: 1) Enter property purchase price as present value, 2) Use historical real estate appreciation rate (typically 8-10% in metro cities, 5-7% in tier-2 cities), 3) Set investment period (years you plan to hold), 4) Add expected rental income if applicable. For example, a ₹50 lakh property in Mumbai might have a future value of approximately ₹1.08 crores after 10 years at 8% appreciation.

Yes, you can calculate the future value of an LIC policy by entering: 1) Current surrender value or premiums paid as present value, 2) Ongoing premium amount as periodic deposit, 3) Expected return rate (typically 5-6% for traditional LIC policies), 4) Remaining policy term in years. The calculator provides an estimate, though actual returns may vary based on the specific policy type, bonuses declared, and market conditions.

₹1 crore today will have the purchasing power of approximately ₹23.3 lakhs after 25 years at 6% inflation. To maintain purchasing power, you need investments that outpace inflation. If you want your ₹1 crore to grow to ₹4.29 crores (inflation-adjusted equivalent), you'll need investment returns of at least 6% above inflation. Our calculator helps plan for this future value growth.

To calculate future value for ELSS funds: 1) Enter current ELSS investment as present value, 2) Add your annual ELSS contribution (up to ₹1.5 lakhs for tax benefits) as periodic deposit, 3) Use 12-14% as expected return rate (based on historical ELSS performance), 4) Set time period (minimum 3 years for lock-in, but ideally 7-10 years for better returns). Our calculator will show potential growth while considering Section 80C tax benefits.

For NPS investments, assuming monthly contributions of ₹5,000 for 25 years with 60% equity allocation (historical returns around 10%), the future value would be approximately ₹59 lakhs. With 40% equity allocation (returns around 8.5%), it would be approximately ₹46 lakhs. Our calculator helps NPS subscribers project their pension corpus based on different allocation patterns and contribution amounts.

To forecast gold investment future value: 1) Enter current gold value as present value, 2) Use 8-10% as expected annual return (gold's historical return in India), 3) Set investment horizon (ideally 5+ years for gold), 4) Add any regular gold purchases as periodic deposits. For example, ₹5 lakhs in gold today might have a future value of approximately ₹12 lakhs after 10 years at 9% appreciation.

The Rule of 72 is a shortcut to estimate how long it takes for money to double. Simply divide 72 by your interest rate. At 8% returns, money doubles in approximately 9 years (72÷8). At 12%, it doubles in 6 years. While our future value calculator provides precise projections, the Rule of 72 offers a quick mental check. For tripling your money, use the Rule of 114 (114÷interest rate).

To reach ₹2 crores in 15 years, you would need to invest approximately: ₹44,500 monthly at 12% returns, ₹53,000 monthly at 10% returns, or ₹62,500 monthly at 8% returns. Our future value calculator lets you work backward from your goal amount to determine the required monthly investment based on your expected return rate and time horizon. This helps create a realistic savings plan for major financial goals.

For Sukanya Samriddhi Yojana with maximum annual investment of ₹1.5 lakhs (₹12,500 monthly) for 14 years at current 8.2% interest rate, the future value would be approximately ₹41 lakhs after the full 21-year maturity. Our calculator helps estimate this government-backed girl child investment scheme's growth, though actual returns may vary slightly as the government reviews SSY interest rates quarterly.

To calculate EPF future value: 1) Enter current EPF balance as present value, 2) Input monthly EPF contribution (typically 12% of basic salary from you and 12% from employer) as periodic deposit, 3) Use current EPF interest rate (8.25% for 2024-25) as return rate, 4) Set years until retirement as time period. For example, a 30-year-old with ₹5 lakhs current EPF and ₹10,000 monthly contribution could accumulate approximately ₹1.2 crores by age 58.

Quarterly compounding provides higher future values than annual compounding. For example, ₹10 lakhs invested for 10 years at 8% would grow to approximately ₹21.6 lakhs with annual compounding, but ₹22.1 lakhs with quarterly compounding – about 2.3% more. Our calculator lets you select different compounding frequencies (annual, semi-annual, quarterly, monthly, daily) to see how compounding frequency affects your investment growth over time.

Adding a lump sum significantly boosts your SIP's future value. For example, a ₹10,000 monthly SIP at 12% for 10 years yields approximately ₹23 lakhs. Adding a ₹5 lakh lump sum investment increases this to approximately ₹39 lakhs – a 70% increase. Our calculator handles both initial lump sums and regular contributions, letting you see how combining these approaches accelerates your wealth creation journey.

For a comfortable retirement in India in 2025, target a future value of approximately ₹2-5 crores depending on your lifestyle. This should provide monthly income of ₹1-2.5 lakhs (at 6% withdrawal rate) to maintain a middle to upper-middle class lifestyle. Adjust for inflation by increasing your target by 6-7% for each year until your retirement. Our calculator helps determine the required savings rate to achieve your personalized retirement corpus goal.

For vehicle loan planning: 1) Decide on your target down payment percentage (typically 20%), 2) Enter your current savings as present value, 3) Input your monthly saving capacity as periodic deposit, 4) Use a conservative return rate (5-6%), 5) Set your car purchase timeline. The calculator shows whether your savings will reach the needed down payment amount. For example, saving ₹10,000 monthly at 6% for 3 years yields approximately ₹4 lakhs for a ₹20 lakh car down payment.

Nominal future value is the absolute amount without considering inflation, while real future value adjusts for inflation's purchasing power erosion. For example, ₹10 lakhs growing to ₹32 lakhs after 20 years at 6% is the nominal future value. With 4% inflation, the real future value in today's purchasing power would be only about ₹14.5 lakhs. Our calculator shows nominal values; for real values, use a lower rate (return rate minus inflation rate).