Find the future value of a series of regular deposits.
Depositing ₹10,000 a month at 7% for 20 years builds ₹52,09,266.60, of which ₹28,09,266.60 is interest.
An annuity here means a series of equal deposits made at regular intervals. This calculator finds its future value — the accumulation phase of an annuity or recurring plan. Choose whether deposits are at the start (annuity due) or end (ordinary annuity) of each month.
To work out the income an annuity can pay out from a lump sum, use the Annuity Payout Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Starting amount | ₹0.00 |
| Total deposits | ₹24,00,000.00 |
| Interest earned | ₹28,09,266.60 |
| End balance | ₹52,09,266.60 |
| Interest as a share of end balance | 53.9% |
| Years | 5% p.a. | 7% p.a. | 9% p.a. |
|---|---|---|---|
| 5 years | ₹6,80,060.83 | ₹7,15,929.02 | ₹7,54,241.37 |
| 10 years | ₹15,52,822.79 | ₹17,30,848.07 | ₹19,35,142.77 |
| 15 years | ₹26,72,889.44 | ₹31,69,622.97 | ₹37,84,057.69 |
| 20 years | ₹41,10,336.69 | ₹52,09,266.60 | ₹66,78,868.70 |
| 25 years | ₹59,55,097.08 | ₹81,00,716.93 | ₹1,12,11,219.37 |
A series of equal payments or deposits at regular intervals.
An ordinary annuity pays at the end of each period; an annuity due at the start, so it earns one more period of interest.
FV = PMT × ((1 + r)^n − 1) ÷ r, multiplied by (1 + r) for an annuity due.
Mathematically yes: regular deposits growing at a rate. SIPs are usually modelled as start-of-month deposits.
The rate the account or investment is expected to earn after charges.
Use the Annuity Payout Calculator, which works out the regular income from a lump sum.
It uses the standard formula: ordinary annuity: FV = PMT × ((1 + r)ⁿ − 1) ÷ r The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
