Future Value Calculator
Calculate the future value of investments with regular contributions and compound interest. Plan for retirement, college funds, or any goal.
Your Monthly EMI
₹78
Principal
₹10,000
Total Interest
₹8,607
Total Payable
₹18,607
Breakdown
Principal: ₹10,000 (54%)
Total Interest: ₹8,607 (46%)
Interest-to-Principal: 86.1%
📊 Interactive EMI Breakdown
Principal vs Interest
Principal: ₹10,000
Interest: ₹8,607
Year-by-Year Payment Split
Loan Scenario Comparison
| Metric | Your plan | +1% Interest (8.0%) | +12 Months (252mo) |
|---|---|---|---|
| Monthly EMI | ₹78 | ₹84 ↑ ₹6 | ₹76 ↓ ₹2 |
| Total Interest | ₹8,607 | ₹10,075 ↑ ₹1,468 | ₹9,113 ↑ ₹506 |
| Total Payable | ₹18,607 | ₹20,075 | ₹19,113 |
What Is Future Value?
Future Value (FV) projects what your money will be worth at a specific future date.
Formula
Lump sum: FV = PV × (1 + r/n)nt
With contributions: add PMT × [(1 + r/n)nt − 1] / (r/n)
Retirement Planning
$500/month at 7% from age 25:
- Age 45: $264,012
- Age 55: $610,453
- Age 65: $1,312,689