HisabCalc › Banking & money

Future Value Calculator

Projects what a lump sum plus regular deposits will grow into over a number of years at a chosen annual rate.

Enter your numbers

Amount invested today (Taka)

Example: 100000

Expected annual return (percent)

Example: 10

Number of years

Example: 10

Deposit each period (Taka)

Example: 5000

Compounding and deposit frequency

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

r = annualRate / 100 / periodsPerYear; n = years * periodsPerYear; futureValue = presentValue*(1+r)^n + periodicDeposit*((1+r)^n - 1)/r; totalContributions = presentValue + periodicDeposit*n; totalInterest = futureValue - totalContributions

How the calculation works

Enter the amount you have today, the annual interest rate you expect and the number of years you will stay invested.

Enter the amount you add each period and how often interest compounds, choosing monthly, quarterly or yearly.

The tool converts the annual rate into a rate per period, works out how many periods there are, and applies the growth formula to both the lump sum and the deposits.

Common mistakes

Entering a monthly deposit while leaving the compounding at yearly, which mismatches the rates and distorts the final figure.
Using an optimistic return with no allowance for tax or fees, which flatters the result and rarely matches what actually lands in the account.

When to use it

Use it to see whether your monthly saving habit is on track for a goal such as a house down payment or a child's education.
Use it to compare rates, since a small difference in the annual return compounds into a large gap over a long horizon.

Worked example

Investing 100000 Taka at 10 percent a year with a 5000 Taka monthly deposit for 10 years grows to about 1294929 Taka, of which 700000 Taka is your contributions and 594929 Taka is interest.

Future value ৳1,294,929.04

Total contributions ৳700,000.00

Total interest 594,929.04

Common questions

Does the result assume deposits are made at the end of each period?

Yes, it treats each deposit as an ordinary annuity paid at the end of the period, so depositing at the start of the period would give you a slightly higher figure.

Last updated: 2026-10-03