Future Value CalculatorInvestment
FV = PV × (1 + r)^n + PMT × [((1 + r)^n − 1) / r]
Future Value combines compound growth on your initial amount plus future value of periodic contributions.
Open calculator →Methodology
How beMyCalc builds, tests, and documents all 123 calculators — formulas, data sources, and assumptions.
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Calculations run in your browser
When you move a slider or type an amount, the math runs locally in your browser. We do not send loan balances, salaries, or investment amounts to our servers. Share links encode your inputs in the URL so you can bookmark or send a scenario — treat shared URLs like any link that contains personal numbers.
Standard formulas
Most tools use widely published financial math: reducing-balance EMI amortization, compound interest, SIP future value, CAGR, present/future value, and similar textbook formulas. Below you'll find every calculator with its formula and a link to the live tool. Each calculator page also has a "How we calculate" panel with the same equation.
India tax & government schemes
India income tax, HRA, and regime-compare tools use slab rates and deductions documented for FY 2024-25 (AY 2025-26). PPF, NPS, SSY, NSC, and similar scheme calculators let you enter the notified interest rate — we do not hard-code a single live government rate unless the tool explicitly states one as a default example.
Scheme limits (80C cap, PPF yearly maximum, etc.) follow commonly cited rules at the time of the last review. Indian rules change in Union Budgets and notifications — always confirm with the Income Tax portal, EPFO, or your chartered accountant before filing or investing.
Currency exchange rates
The currency converter fetches indicative mid-market rates from the Frankfurter API (European Central Bank reference data), cached for about an hour. Banks and card networks apply their own spreads and fees — use the exchange calculator to model fees separately.
Worked examples & guides
Calculator pages show sample scenarios (e.g. ₹10L loan at 8.5% for 20 years). These are illustrations to explain the tool, not recommendations. Guides on /guides link to calculators so you can replace example numbers with your own.
How we update tools
- India tax slabs and standard deductions when a new financial year is notified.
- Default example rates when major scheme notifications change.
- Formula bugs reported via contact or on-page "Report an issue" links.
- New calculators when user demand and formula clarity justify a dedicated tool.
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Investment CalculatorInvestment
FV = P₀ × (1 + r)^t + PMT × [((1 + r)^t − 1) / r], combining initial amount and monthly contributions
Enter starting amount, monthly contribution, expected return, and time horizon to project future portfolio value.
Open calculator →Lumpsum CalculatorInvestment
FV = P × (1 + r)^n, where P = lumpsum invested, r = annual return rate, n = years
Enter one-time investment amount, expected annual return, and investment period to see maturity value and wealth gained.
Open calculator →Mutual Fund CalculatorInvestment
SIP: standard monthly SIP formula; lumpsum: FV = P × (1 + r)^n
Choose SIP or lumpsum mode. Enter amount, expected annual return, and investment period. Uses standard compound growth formulas for monthly SIP or one-time investment.
Open calculator →Present Value CalculatorInvestment
PV = FV / (1 + r)^n
Present Value = Future Value / (1 + r)^n. Enter future amount, discount rate, and years.
Open calculator →RD and SIP use monthly deposit formulas; FD uses lump-sum compounding on total savings at period start
Enter monthly savings, SIP/RD/FD rates, and years. RD and SIP use monthly deposits; FD assumes the full amount is deposited as a lump sum at the start.
Open calculator →Savings CalculatorInvestment
Balance = initial savings compounded monthly + monthly deposits compounded at the savings rate
Enter starting balance, monthly savings, interest rate, and duration to see total savings growth.
Open calculator →Savings Goal CalculatorInvestment
Required monthly savings = (Goal − FV of current savings) / [((1 + r)^n − 1) / r]
Enter goal amount, current savings, expected return, and timeline to find required monthly contribution.
Open calculator →SIP CalculatorInvestment
FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P = monthly SIP, r = monthly rate, n = months
Enter your monthly SIP amount, expected annual return rate, and investment duration. The calculator uses compound interest on monthly contributions to project your total investment, returns, and maturity value.
Open calculator →SIP FV uses compound growth on monthly deposits; FD/PPF use their respective compounding rules side by side
Enter monthly investment amount, expected SIP return, FD rate, PPF yearly deposit and rate. We project maturity values and highlight the best option.
Open calculator →SIP vs Lumpsum CalculatorInvestment
Lumpsum FV = P × (1 + r)^n; SIP splits the same total P into equal monthly installments with the standard SIP formula
Enter total amount, expected return, and years. Lumpsum invests all on day 1; SIP splits the same total into equal monthly installments.
Open calculator →Step Up SIP CalculatorInvestment
Monthly SIP increases by step-up % each year; each installment compounds monthly at the expected return
Enter starting monthly SIP, annual step-up %, expected return, and investment period. Each year your SIP increases before monthly compounding is applied.
Open calculator →SWP CalculatorInvestment
Balance each month = (Previous balance − withdrawal) × (1 + monthly return); runs until corpus depletes or tenure ends
Enter total corpus, monthly withdrawal amount, expected annual return, and see how long funds last or remaining balance.
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