Savings Calculator
Calculate compound interest and future value of your savings
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Savings Summary
₹1,00,000
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₹0
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0%
📌 Important Notes
- Compound Interest: Interest earned on interest increases returns dramatically
- Inflation Adjusted: Shows purchasing power of your savings
- Effective Return: Return after accounting for inflation
- Assumes consistent monthly contributions throughout period
- Interest rates are assumed to remain constant
- This is an estimate; actual returns may vary
📐 Savings Growth Formula
FV
=
PV
×
(
1
+
r
)
n
RV
=
FV
÷
(
1
+
i
)
n
FV = future value
PV = principal/current value
r = annual return rate
i = inflation rate
RV = inflation-adjusted value
n = years
This visual formula pattern shows both nominal growth and real purchasing-power value.
❓ Savings Calculator FAQs
Why does compound interest matter so much?+
Compound interest earns returns on both your principal and past interest. Over long periods, this snowball effect can significantly increase your final corpus.
How does inflation impact my savings target?+
Inflation reduces purchasing power each year. A goal that seems enough today may be inadequate later, so inflation-adjusted values are essential for realistic planning.
What is a real return?+
Real return is your investment return after subtracting inflation. It reflects true growth in purchasing power, not just nominal portfolio gains.
How important is the investment time horizon?+
Time horizon is critical because compounding accelerates with time. Starting earlier generally lowers the monthly amount needed to reach the same future target.