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Finance Calculators

Future Value with Contributions Calculator

Verified formula Updated Jun 2026 Private — runs on your device

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Verified formula Private

Future value

₹36,075.81

Total contributed
₹20,000.00

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Future Value with Contributions Calculator

The Future Value with Contributions Calculator works out your future value, along with 1 related figure in an instant. Enter starting amount, contribution per year and annual return rate and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the starting amount.
  2. Enter the contribution per year.
  3. Enter the annual return rate.
  4. Enter the number of years.
  5. Read off your future value, together with total contributed — the calculator updates automatically, with no button to press.

Formula

The Future Value with Contributions Calculator uses the formula:

Future value = Starting amount × (1 + Annual return rate ÷ 100)^(Number of years) + Contribution per year × ((1 + Annual return rate ÷ 100)^(Number of years) - 1) ÷ (Annual return rate ÷ 100)

Worked example

For example, with starting amount of 10,000, contribution per year of 1,000, annual return rate of 8% and number of years of 10, the future value is ₹36,075.81.

Inputs used
Starting amount 10,000
Contribution per year 1,000
Annual return rate 8%
Number of years 10
Results
Future value ₹36,075.81
Total contributed ₹20,000.00

Results are estimates for educational use, not professional advice.

Key terms explained

Future value
What a sum of money invested today will be worth in the future after earning a return.

Frequently asked questions

It grows a starting lump sum and adds regular contributions that also compound. 10,000 plus 1,000 a year at 8% for 10 years reaches about 36,076.

It combines the lump sum future value with the future value of an annuity for the contributions.

Yes, this version assumes one contribution at the end of each year at the same return rate.

Compound growth adds returns on both the starting amount and every contribution along the way.

Enter the starting amount. Enter the contribution per year. Enter the annual return rate. Enter the number of years. Read off your future value, together with total contributed — the calculator updates automatically, with no button to press.

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