Future Value Calculator
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Future Value
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Invested Amount
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Estimated Returns
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Estimated value based on the return rate entered. Actual returns may vary and are not guaranteed.
A future value calculator projects what your money will be worth at a future date — combining a starting lump sum with ongoing monthly contributions, both growing at the same assumed rate of return.
This mirrors how most people actually invest: starting with some capital, then adding to it steadily over time, rather than choosing purely a lump sum or purely a SIP.
How This Calculator Works
The result adds two future value calculations: the lump sum compounding on its own, plus a separate SIP-style annuity for the monthly contributions, both using the same rate and time period.
Frequently Asked Questions
How is this different from the SIP calculator?
The SIP calculator assumes you start from zero. This calculator lets you add a starting lump sum on top of your monthly contributions — useful if you already have some savings invested.
Can I use this for retirement planning?
It's a reasonable starting point for a rough projection, but retirement planning also needs to account for inflation, changing contribution amounts, and shifting risk over time. Treat this as a single estimate, not a full plan.