Investment Calculator: Future Value with Monthly Investing

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Formula at a glance

Investment Calculator: Future value — FV = P(1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1)/r. Example: ₹10,000 a month for 15 years at 12% → Value after 15 years: ₹52,61,935 (52.62 lakh) — How the Investment Calculator works: Future value — FV = P(1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1)/r

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📘 About the Investment Calculator

Regular investing harnesses compounding: money invested early has the longest to grow. Increasing your investment each year (a step-up) and staying invested for longer make the biggest difference. Inflation reduces what the final sum buys, so the real value matters as much as the headline number.

Enter a starting amount, a regular monthly or yearly investment, the expected return and the years. Add a yearly step-up and inflation. The calculator shows the final value, total invested, gains, the value in today’s money, the real return and a year-by-year table and chart.

🧮 Formula

Future value

FV = P(1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1)/r

Real value

FV / (1 + inflation)ⁿ

Real return

(1 + return)/(1 + inflation) − 1

✏️ Worked examples

₹10,000 a month for 15 years at 12%

You enter
Currency	₹ Indian rupee
Starting amount	100000
Regular investment	10000
Invested	Every month
Expected return	12 % a year
Years	15
Increase investment each year	0%
Inflation	6%

You get
Value after 15 years	₹52,61,935 (52.62 lakh)
Total invested	₹19,00,000 (19 lakh)
Total returns	₹33,61,935 (33.62 lakh) (177% gain)
In today’s money (after 6% inflation)	₹21,95,622 (21.96 lakh)
Real return	5.66% a year
Wealth multiple	2.77× what you put in

₹52,61,935 (52.62 lakh).

With a 10% yearly step-up

You enter
Currency	₹ Indian rupee
Starting amount	100000
Regular investment	10000
Invested	Every month
Expected return	12 % a year
Years	15
Increase investment each year	10%
Inflation	6%

You get
Value after 15 years	₹87,44,295 (87.44 lakh)
Total invested	₹39,12,698 (39.13 lakh)
Total returns	₹48,31,598 (48.32 lakh) (123% gain)
In today’s money (after 6% inflation)	₹36,48,689 (36.49 lakh)
Real return	5.66% a year
Wealth multiple	2.23× what you put in

₹87,44,295 (87.44 lakh).

🧭 How to use this calculator

What you enter

Currency
Starting amount
Regular investment
Invested
Expected return (% a year)
Years
Increase investment each year (%)
Inflation (%)

What you get

Value after 15 years
Total invested
Total returns
In today’s money (after 6% inflation)
Real return
Wealth multiple

❓ Frequently asked questions

What return should I assume?

Long-run averages: Indian equity funds about 10–12%, debt funds and FDs 6–7%, gold about 8–10%. Returns vary a lot year to year and are not guaranteed.

Why does a step-up matter so much?

Raising your investment with your income adds money every year, and each addition compounds — it can nearly double the final value over 20 years.

How is this different from a SIP calculator?

It works the same way for monthly investing, and also handles yearly investing, a starting lump sum and inflation.

📈 Investment Calculator: Future Value & Returns