Project your savings, or find the monthly amount needed to reach a goal.
Starting with ₹50,000 and saving ₹10,000 a month at 6.5% for 10 years gives ₹17,79,640.73, including ₹5,29,640.73 of interest. Enter a goal to see the monthly amount needed.
The Savings Calculator shows where your savings are heading and what it takes to reach a target. Enter a starting balance, monthly savings, an interest rate and a time period for a projection, or fill in a savings goal to find the monthly deposit that gets you there.
Increase your monthly savings each year with the annual-increase box — raises in salary are a good time to do this. Add inflation to see future purchasing power. For long-term market investing, see the Investment Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Starting amount | ₹50,000.00 |
| Total deposits | ₹12,00,000.00 |
| Interest earned | ₹5,29,640.73 |
| End balance | ₹17,79,640.73 |
| Interest as a share of end balance | 29.8% |
| Years | 4.5% p.a. | 6.5% p.a. | 8.5% p.a. |
|---|---|---|---|
| 5 years | ₹7,34,045.31 | ₹7,75,880.54 | ₹8,20,789.40 |
| 10 years | ₹15,90,330.38 | ₹17,79,640.73 | ₹19,98,016.52 |
| 15 years | ₹26,62,224.44 | ₹31,67,657.71 | ₹37,95,996.20 |
| 20 years | ₹40,04,016.95 | ₹50,87,031.63 | ₹65,42,051.64 |
| 25 years | ₹56,83,667.20 | ₹77,41,175.14 | ₹1,07,36,103.75 |
A common guide is 20% of take-home pay, but the right amount depends on your goals. Enter a goal to find the exact monthly figure.
The calculator grows your starting balance, then solves for the deposit whose growth makes up the shortfall.
Depositing at the start earns a month's extra interest on each deposit. The choice changes the result slightly.
A lot. Even a 5% annual increase significantly raises the final balance for long periods.
Use your account's rate for savings, or a realistic long-term return for investments. Avoid assuming unusually high returns.
Three to six months of expenses kept in an easily accessible savings account before you invest for the long term.
It uses the standard formula: balance = P × (1 + r/n)^(n·t) + deposits compounded 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.
