Investment Calculator

Project the future value of your investments including regular contributions and compound growth.

Savings Plan

1%20%
1 yr40 yrs

Future Value

₹10,66,390

Total Invested

₹7,00,000

Total Returns

₹3,66,390

Wealth Multiplier

InvestedReturns

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Investment Calculator Formula & How It Works

FV = PV(1+r)ⁿ + PMT × [(1+r)ⁿ − 1] / r
  • PV = Present value (initial investment)
  • PMT = Regular periodic contribution
  • r = Period interest rate (annual ÷ 12 for monthly)
  • n = Total number of periods

The future value formula combines two components: growth of the initial lump sum (PV(1+r)ⁿ) and the future value of regular contributions (an annuity). Small consistent contributions compounded over long periods build dramatically more wealth than large lump sums invested later — this is the power of compound growth combined with time.

Investment Calculator FAQs

How much will $100/month invested become in 30 years?

At 8% annual return: FV = $100 × ((1.00667)³⁶⁰ − 1) / 0.00667 ≈ $150,000. Your total contribution: $36,000. Compound growth adds $114,000. Starting earlier is the single most powerful wealth-building action.

What is the Rule of 72 for investments?

The Rule of 72 estimates doubling time: Years to Double = 72 ÷ Annual Return Rate. At 8%, investments double every 9 years. Over 36 years, they double 4 times — 16× the original amount.

What return rate should I use for investment projections?

Conservative: 5–6% (diversified bonds/stocks). Moderate: 7–8% (balanced portfolio). Aggressive: 9–10% (equity-heavy). Always use real (inflation-adjusted) returns for purchasing power. Historical US stock market: ~7% real return.

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