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Finance calculator · Visual projections

See how your money grows through compound interest.

Calculate future value with flexible compounding, recurring contributions, inflation adjustment, comparison scenarios and a complete year-by-year growth projection.

✓ Synchronized sliders ✓ Recurring contributions ✓ Growth chart ✓ Inflation-adjusted value

Compound growth calculator

Adjust the assumptions and review the projection instantly.

Calculated locally

Currency Indian Rupee

Starting principal ₹10,000

₹0₹5,00,000

Annual interest rate 8.00%

0%30%

Investment duration 20 years

1 year60 years

Compounding frequency Monthly

Recurring contribution ₹250/month

₹0₹5,000

Contribution frequency Monthly

Expected inflation 2.50%

0%15%

Contributions at period beginning Enable annuity-due calculation

Projected future value $0

Enter values to calculate compound growth.

$0Starting principal

$0Total contributions

$0Interest earned

$0Inflation-adjusted value

0%Effective annual rate

—Estimated doubling time

Growth over time

Balance, contributions and interest

Final balance composition

Where the future value comes from

Principal

Contributions

Compound interest

Rate scenarios

Same duration and contributions

Year-by-year projection

Annual snapshots

Year	Starting balance	Contributions	Interest earned	Ending balance	Real value

Formula: lump-sum growth uses A = P(1 + r/n)^nt. Recurring contributions use the future-value annuity formula at the selected contribution frequency. Inflation-adjusted value is calculated as nominal future value ÷ (1 + inflation)^years.

What this calculator includes

Starting principal
Recurring contributions
Flexible compounding
Inflation-adjusted value
Rate comparison scenarios
Yearly growth projections

Currency selection

Currency selection changes number formatting and symbols only. It does not perform foreign-exchange conversion between currencies.

Contribution timing

End-of-period contributions use an ordinary annuity. Beginning-of-period contributions use an annuity due and receive one additional period of growth.

Important

Results are estimates. Taxes, fees, changing rates, market volatility and contribution interruptions can materially affect real-world outcomes.

Compound-interest guide

Compounding rewards time, consistency and reinvested growth.

Compound interest earns returns on both the original principal and previously accumulated interest. The frequency of compounding and the timing of additional contributions influence the final outcome.

Nominal versus effective annual rate

A nominal rate is the stated annual rate. The effective annual rate reflects the impact of compounding during the year.

Why recurring contributions matter

Regular contributions can become a large part of the final value. Starting early usually provides more compounding periods than contributing the same amount later.

Inflation-adjusted value

A future balance may look large in nominal terms, but inflation reduces its future purchasing power. The real-value estimate expresses the result in today’s money.

Frequently asked questions

Compound-interest questions answered.

Does more frequent compounding always increase the result?

For the same nominal annual rate, more frequent compounding generally produces a slightly higher effective annual return.

What is the difference between principal and contributions?

Principal is the starting balance. Contributions are additional deposits made during the investment period.

Why is the inflation-adjusted value lower?

It estimates the future balance’s purchasing power after accounting for cumulative inflation.

Are the projections guaranteed?

No. The calculator assumes stable rates and contributions. Actual outcomes can vary.