Future Value Calculator
See what a lump sum plus a monthly investment grows into.
Your investment
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₹1.02 Cr
Corpus after 20 years — 4.07× what you put in
Assumes a constant 12.0% annual return, compounded annually on the lump sum and at the equivalent monthly rate on contributions. Returns are not guaranteed.
How your invested amount and corpus build up over time.
| Year | Invested this yr | Total invested | Est. returns | Future value |
|---|---|---|---|---|
| Year 1 | ₹2.20 L | ₹2.20 L | ₹19,665 | ₹2.40 L |
| Year 2 | ₹1.20 L | ₹3.40 L | ₹56,090 | ₹3.96 L |
| Year 3 | ₹1.20 L | ₹4.60 L | ₹1.11 L | ₹5.71 L |
| Year 5 | ₹1.20 L | ₹7.00 L | ₹2.87 L | ₹9.87 L |
| Year 20 | ₹1.20 L | ₹25.00 L | ₹76.63 L | ₹1.02 Cr |
Year 1 includes your initial ₹1.00 L lump sum plus 12 monthly instalments.
Future value of ₹1.00 L + ₹10,000/month over 20 years — if your return were…
Same inputs, different annual return. Returns are illustrative assumptions, not guarantees.
Power of compounding
4.07×
Your ₹25.00 L becomes ₹1.02 Cr — 75% of it is pure growth.
Money doubles in
6.0 yrs
Rule of 72: 72 ÷ 12% ≈ 6.0 years at this rate.
Prices rise over 20 years — the same corpus buys less. Toggle this into the main result:
Nominal corpus
₹1.02 Cr
In today's money
₹31.69 L
After 6% inflation, your ₹1.02 Cr corpus buys what ₹31.69 L buys today. Adjust the inflation rate under Advanced options.
- 75% of your corpus comes from compounding — only 25% is money you put in.
- Your ₹25.00 L grows 4.07× to ₹1.02 Cr in 20 years.
- Rule of 72: money doubles roughly every 6.0 years at 12%.
How your money grows
75% of your corpus comes from compounding — only 25% is the money you put in.
Key insight
Of your ₹1.02 Cr corpus, ₹76.63 L is pure growth — 75% of the total. The lump sum and your monthly habit compound together, with the heaviest lifting in the back half of the 20-year horizon.
Key takeaways
- Initial ₹1.00 L + ₹10,000/month
- Total invested: ₹25.00 L
- Total returns: ₹76.63 L (307% wealth gain)
- Growth multiple: 4.07×
- Future value in 20 years: ₹1.02 Cr
Start investing in mutual funds
Open a free account with ICICI Prudential AMC and start an SIP online. ICICI Prudential Mutual Fund, at no extra cost to you.
Your plan: ₹1.00 L + ₹10,000/month for 20 years → about ₹1.02 Cr.
Plan the rest of your money life
Turn this corpus into a plan — a monthly SIP, a one-time lumpsum, or a closer look at compounding.
The figures above are projections based on a constant assumed return and do not guarantee future performance. Market-linked investments carry risk; actual returns vary and can be negative.
How the future value is calculated
FV = P × (1 + r/n)^(n·t) + M × [ ((1 + i)ᵐ − 1) ÷ i ] × (1 + i)
- P
- initial lump sum
- M
- monthly investment
- r
- annual rate = rate ÷ 100
- n
- compounding times per year
- t
- years invested
- i
- equivalent monthly rate = (1 + r/n)^(n/12) − 1
- m
- number of months = years × 12
Worked example
With your inputs — a ₹1,00,000 lump sum plus ₹10,000/month at 12.0% compounded annually for 20 years: the lump sum grows to about ₹9.65L, and the 20 × 12 = 240 monthly instalments (each at the equivalent monthly rate i = 0.949%, contributed at the start of the month) add about ₹91.99L. Summed, that's a corpus of roughly ₹1.02Cr — a projection at a constant assumed return, before inflation and not guaranteed.
Most asked future value questions
Future value is what your money will be worth at a later date after growing at an assumed rate of return. This calculator combines two sources: a one-time lump sum that compounds for the full term, and a recurring monthly investment where every instalment compounds for the months it stays invested. The final corpus is the sum of both.
The lump sum uses FV = P × (1 + r/n)^(n·t), where n is the compounding frequency you pick. The monthly contributions use the standard future-value-of-an-annuity formula at the equivalent monthly rate, assuming each instalment is invested at the start of the month. Adding the two gives the total corpus.
Yes. For the same nominal rate, more frequent compounding (monthly vs annually) produces a slightly higher future value, because interest starts earning interest sooner. The difference grows with the rate and the horizon, though it is usually small next to a change in the rate itself.
Wealth gain is the total returns divided by the total amount you invested, expressed as a percentage. If you put in ₹13L and it grows to ₹40L, your returns of ₹27L are roughly a 207% wealth gain — your money has multiplied about 3×.
The Rule of 72 gives a quick estimate: divide 72 by the annual return rate. At 12% that's roughly 6 years to double. This is an approximation for a lump sum; recurring contributions complicate the exact timing, but it's a useful mental shortcut for the growth rate.
No. The growth rate you enter is an assumption. Real returns are market-linked and vary year to year — they can be negative. Treat the future value as a planning estimate, not a promise, and check the inflation-adjusted figure to see what your corpus is really worth.
The complete guide to future value
What future value really tells you
Future value answers a simple question: what will my money be worth later? This calculator handles the realistic case — a one-time lump sum today plus a steady monthly investment on top. Both compound at your assumed rate, so the final corpus depends heavily on the rate and, above all, the number of years you stay invested. Doubling the horizon usually far more than doubles your money.
How the future value is calculated
The lump sum uses FV = P × (1 + r/n)^(n·t), where n is the compounding frequency you choose. The monthly contributions use the future-value-of-an-annuity formula at the equivalent monthly rate, with each instalment invested at the start of the month. Adding the two gives the total corpus, and the returns are simply that corpus minus everything you put in.
Does compounding frequency matter?
For the same nominal rate, more frequent compounding nudges the result up, because interest starts earning interest sooner. Annually, half-yearly, quarterly or monthly — the difference grows with the rate and the horizon, but it is usually small next to a change in the rate itself. Switch the dropdown to see the effect on your own numbers.
Treat the number as a projection
The biggest mistake is assuming a single rate holds every year. Real returns are volatile, and the order of good and bad years matters. Check the inflation-adjusted value — after ~6% inflation, a large rupee figure buys far less in today's money. Use this future value as a planning guide, not a promise, and give your money time, because compounding does its heaviest lifting near the end.