Future Value Calculator: Lump Sum Plus Regular Payments
Enter the amount you have now, any regular payment, how often you pay and the rate. The future value, the total put in and the growth appear at once.
- Nothing you type is stored
- Free
- No signup
Future value
₹11,36,694
- Total put in
- ₹7,00,000
- Growth
- ₹4,36,694
- In words
- 11.37 lakh
Show working
- i = 8% ÷ 12 = 0.6667%, n = 10 × 12 = 120
- PV part = 100000 × (1 + i)^120 = ₹221964.02
- PMT part = 5000 × ((1 + i)^120 − 1) ÷ i = ₹914730.18
- FV = ₹1136694.20
Year by year
| Year | Total put in | Value |
|---|---|---|
| 1 | ₹1,60,000 | ₹1,70,550 |
| 2 | ₹2,20,000 | ₹2,46,955 |
| 3 | ₹2,80,000 | ₹3,29,701 |
| 4 | ₹3,40,000 | ₹4,19,316 |
| 5 | ₹4,00,000 | ₹5,16,369 |
| 6 | ₹4,60,000 | ₹6,21,477 |
| 7 | ₹5,20,000 | ₹7,35,309 |
| 8 | ₹5,80,000 | ₹8,58,589 |
| 9 | ₹6,40,000 | ₹9,92,101 |
| 10 | ₹7,00,000 | ₹11,36,694 |
How to use
- Enter the amount you have today and the regular payment (either can be 0).
- Choose monthly, quarterly or yearly payments and enter the rate and years.
- Under More options choose whether payments are made at the start or end of each period.
Good to know
FV = PV × (1 + i)^n + PMT × ((1 + i)^n − 1) ÷ i, where i is the yearly rate ÷ periods per year and n the total number of periods. If you pay at the start of each period (an annuity due), the payment part is multiplied by (1 + i).
Compounding here happens once per payment period: monthly payments compound monthly, yearly payments yearly. This matches the FV function in spreadsheets with the same inputs.
It is a general time-value-of-money tool: use it for a savings plan, an endowment illustration or a textbook problem. For specific products, the FD, RD, PPF and SIP calculators follow each product's own rules.
Questions
What is the future value formula?
FV = PV(1 + i)^n + PMT[((1 + i)^n − 1) ÷ i], with an extra × (1 + i) on the payment part if payments are at the start of each period.
What is the difference between start and end of period?
Paying at the start gives each payment one more period of growth, so the future value is higher.
Can I use it without regular payments?
Yes. Leave the regular payment at 0 to get the future value of a lump sum.
Does it match Excel's FV?
Yes, apart from the sign convention: Excel shows money paid out as negative.
Is my data stored?
No. Everything is calculated on your device.