Use this free online present value and future value calculator to see how money grows over time with compound interest, or to find out what a future amount is worth in today's terms. Choose your calculation mode, enter the known value, annual rate, and time period, to get an instant, accurate result.
How to Use the Present & Future Value Calculator
Select "Calculate Future Value" or "Calculate Present Value" from the "Calculation Mode" dropdown.
Enter the "Present Value (₹)" if calculating future value, or the "Future Value (₹)" if calculating present value.
Enter the "Annual Rate (%)" of return or interest.
Enter the "Time (years)" over which the amount grows or discounts.
Click "Calculate" to see the computed value.
Frequently Asked Questions
In Future Value mode, it applies the compound interest formula FV = PV × (1 + r/100)^t, where PV is the present value, r is the annual rate, and t is the time in years.
In Present Value mode, it discounts the future amount back to today using PV = FV ÷ (1 + r/100)^t, the reverse of the future value formula.
Yes, it is useful for estimating how a lump-sum investment will grow at a given annual rate, or for determining how much you need to invest today to reach a target future amount.
The calculator requires a positive present value or future value (depending on mode), a non-negative annual rate, and a positive time period; if any of these are missing or invalid, it shows an "Invalid input!" message.