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Future Value Calculator
Calculate the future value of your investments with lumpsum, annuity, and inflation adjustments
Future Value
₹1,64,531
After 5 years
Total Interest
₹64,531
Interest earned
Total Investment
₹1,00,000
Principal + payments
Real Value
₹1,64,531
Inflation adjusted
₹
Return Analysis
Nominal Return: 64.53%
Effective Interest Rate: 10.47%
Time Value Analysis
Time to Double: 7.2 years
Value Multiplier: 1.65x
Interest Component: 39.22%
What If Scenarios
+1% Interest Rate: ₹1,68,506
-1% Interest Rate: ₹1,53,862
Double the Time: ₹2,59,374
Goal Planning
To reach ₹10 Lakhs: 24.16 years
To reach ₹1 Crore: 48.32 years
Annual Growth Needed for ₹1Cr: 151.19%
Formula Used
FV = PV × (1 + r)^n
Where:
- • FV = Future Value
- • PV = Present Value (₹1,00,000)
- • r = Interest Rate (10%)
- • n = Number of periods (5)
Investment Tips
• Start Early: Time is your biggest ally in wealth creation
• Regular Investing: Systematic investments beat timing the market
• Compound Growth: Reinvest returns for exponential growth
• Inflation Factor: Always consider real returns
• Diversification: Don't put all eggs in one basket
Risk Considerations
• Interest rates may fluctuate over time
• Inflation can erode purchasing power
• Market volatility affects actual returns
• Early withdrawal may attract penalties
• Tax implications on returns
Year-by-Year Projections
| Year | Start Value | Payment | Interest | End Value | Cumulative Investment |
|---|---|---|---|---|---|
| 1 | ₹0 | ₹1,00,000 | ₹10,000 | ₹1,10,000 | ₹1,00,000 |
| 2 | ₹1,10,000 | ₹0 | ₹11,000 | ₹1,21,000 | ₹1,00,000 |
| 3 | ₹1,21,000 | ₹0 | ₹12,100 | ₹1,33,100 | ₹1,00,000 |
| 4 | ₹1,33,100 | ₹0 | ₹13,310 | ₹1,46,410 | ₹1,00,000 |
| 5 | ₹1,46,410 | ₹0 | ₹14,641 | ₹1,61,051 | ₹1,00,000 |
Understanding Future Value
What is Future Value?
- • Value of current money at a future date
- • Accounts for compound interest and time
- • Helps in investment planning and goal setting
- • Essential for comparing investment options
- • Foundation of retirement planning
Types of Future Value
- • Lumpsum: One-time investment
- • Ordinary Annuity: Regular payments at period end
- • Annuity Due: Regular payments at period start
- • Growing Annuity: Increasing payments over time
- • Perpetuity: Infinite payment stream
Factors Affecting Future Value
- • Principal amount or payment size
- • Interest rate or return rate
- • Time period of investment
- • Compounding frequency
- • Inflation rate (for real value)
Practical Applications
- • Retirement corpus planning
- • Education funding goals
- • Emergency fund targets
- • Investment comparison
- • Business valuation