Savings Growth Calculator
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Future Value
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Invested Amount
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Estimated Returns
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Estimated value based on the return rate entered. Actual returns may vary and are not guaranteed.
A savings growth calculator projects how a starting balance plus regular monthly deposits could grow over time — suited to conservative savings vehicles like high-interest savings accounts, recurring deposits, or a mix of the two.
This uses a more conservative default return rate than our investment-focused calculators, reflecting typical savings instrument yields rather than equity market returns.
How This Calculator Works
Combines a lump sum future value calculation for your starting balance with a monthly-contribution annuity calculation, both compounding at the same annual rate you enter.
Frequently Asked Questions
What rate should I use for a savings account?
Indian savings account interest rates are typically in the 2.5–7% range depending on the bank and balance slab. Use your specific account's rate for accuracy.
How is this different from the RD calculator?
The RD calculator uses the exact bank convention for recurring deposits with quarterly compounding. This calculator is a more general-purpose tool for any combination of a starting balance and ongoing monthly savings.