Core Calculators
Savings Calculator
Project savings growth from current balance and monthly contributions
Savings plan
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%
yrs
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Projected savings
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How savings are projected
Current savings grow as a lumpsum while monthly contributions compound like a SIP. Combined total shows your projected balance.
Total = FV(current) + FV(monthly SIP)
Why use it
Detailed features
Goal tracking
Optional target shows gap or surplus.
Compound growth
Lumpsum + monthly contributions.
Clear split
From existing vs new savings.
On the go
Also in the Toolance app.
Frequently asked questions
A common starting point is 20% of income, but your rent, EMIs and family goals matter more than a fixed rule. Use this tool to see how monthly savings grow at a chosen return rate.
For bank savings accounts, use 3% to 4%. For short-term goals in debt funds, maybe 6% to 7%. Equity-linked goals need higher assumed returns but come with more risk and ups and downs.
By default we show pre-tax growth unless you adjust the rate down yourself. FD interest and most debt returns are taxable as per your slab unless specifically exempt.
Regular monthly savings are compounded at the annual rate you enter, converted to a monthly equivalent. That shows how small regular amounts build over years.
Yes. Enter how much you can save monthly, expected return and time in years. You will see the projected corpus to compare with your target amount.
Not unless you lower the return rate yourself. Rs 10 lakh in 15 years buys less than today. Pair this with our inflation tool for a realistic view.
No. Market and bank rates change. This is a planning estimate, not investment advice or a promise of returns.
Yes. The tool is free, no signup, and you can change inputs as often as you like.