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Calculate your savings growth with goal tracking, inflation adjustment, and detailed projections. Make informed financial decisions with accurate calculations.
The power of compound interest works best when you start saving early. Even small amounts can grow significantly over time.
Regular monthly contributions, no matter how small, create a disciplined savings habit and accelerate wealth building.
Having specific savings goals helps you stay motivated and track your progress towards financial milestones.
Our calculator uses proven financial formulas to help you plan your savings strategy. Get accurate projections based on compound interest calculations used by financial institutions.
Track unlimited savings goals with individual timelines and progress bars
Detailed annual projections showing contributions, interest, and growth
See real purchasing power with inflation-adjusted future values
Plan for annual increases in savings as your income grows
Input your current savings balance or starting deposit (e.g., ₹10,000).
Enter how much you plan to save regularly each month (e.g., ₹5,000).
Select your expected annual interest rate (3-7% for savings) and time period.
Add multiple savings goals and monitor progress with visual indicators and timelines.
Basic savings account with easy access. Low interest but high liquidity. Best for emergency funds and daily transactions.
Premium savings accounts with higher interest. May require minimum balance. Ideal for short-term goals and emergency funds.
Locked-in deposits for fixed tenure. Higher interest but low liquidity. Best for medium-term goals (1-5 years).
Government-backed long-term savings. Tax-free returns with 15-year lock-in. Excellent for retirement planning.
Monthly fixed deposits with guaranteed returns. Disciplined savings approach. Good for specific short-term goals.
Low-risk investment funds. Better than FDs for long-term. Tax-efficient after 3 years. Moderate liquidity.
Choose monthly, quarterly, or yearly compounding for accurate projections
See real purchasing power with inflation-adjusted future values
Factor in tax on interest income for accurate after-tax returns
Plan for annual increases in savings matching salary growth
Track unlimited savings goals with individual targets and timelines
Set current age and withdrawal age for retirement planning
Detailed annual table showing contributions, interest, and balance
Interactive charts showing savings growth over time
Instant calculations as you adjust inputs - no waiting
Advanced investment planning with risk analysis
Calculate simple & compound interest
Detailed compound interest projections
Quick simple interest calculations
Plan your retirement savings
Systematic Investment Plan calculator
Fixed deposit returns calculator
Calculate return on investment
Plan your monthly budget
Automate savings by setting up automatic transfers on payday. Treat savings as a non-negotiable expense. Save before spending, not after. This ensures consistent wealth building regardless of spending temptations.
Allocate 50% of income to needs, 30% to wants, and 20% to savings. This balanced approach ensures you save consistently while enjoying life. Adjust ratios based on your goals - aggressive savers use 30/20/50.
When you get a raise, increase savings by 50% of the raise amount. If you get a ₹5,000 raise, increase savings by ₹2,500. This accelerates wealth building while still improving lifestyle.
Target: ₹3,00,000
Timeline: 1-2 years
Monthly: ₹12,500-25,000
Target: ₹20,00,000
Timeline: 5-7 years
Monthly: ₹23,800-33,300
Target: ₹5,00,000
Timeline: 2-3 years
Monthly: ₹13,900-20,800
Target: ₹10,00,000
Timeline: 3-4 years
Monthly: ₹20,800-27,800
Target: ₹15,00,000
Timeline: 10-15 years
Monthly: ₹8,300-12,500
Target: ₹2,00,000
Timeline: 1 year
Monthly: ₹16,700
Target: ₹1,00,00,000
Timeline: 20-30 years
Monthly: ₹27,800-41,700
Target: ₹25,00,000
Timeline: 5-7 years
Monthly: ₹29,800-41,700
Our savings calculator is built using industry-standard compound interest formulas verified by financial experts. The calculations follow mathematical principles used by banks and financial institutions worldwide. For additional information about savings strategies and financial planning, refer to these authoritative sources:
Official monetary policy, interest rate guidelines, and banking regulations for savings accounts
Regulatory guidance for investment products and investor protection measures
Government-backed savings schemes including PPF, NSC, and other small savings instruments
Official tax policies, savings schemes, and financial inclusion initiatives
Disclaimer: This calculator provides estimates based on the inputs you provide. Actual returns may vary based on market conditions, bank policies, and other factors. Always consult with a certified financial advisor for personalized financial planning advice.
Track unlimited savings goals simultaneously - most calculators only show one calculation
Perfect experience on mobile, tablet, and desktop - calculate anywhere, anytime
Detailed annual table with contributions, interest, and balance - rarely found elsewhere
See real purchasing power of future savings - critical feature missing in basic calculators
Plan for annual increases in savings - matches real-world salary growth scenarios
Factor in tax on interest income for accurate after-tax projections
Choose monthly, quarterly, or yearly compounding for precise calculations
Interactive growth charts and progress bars for better understanding
Instant calculations as you type - no waiting or page reloads
Set current age and withdrawal age for retirement-focused savings
Comprehensive guides, tips, and FAQs to improve financial literacy
All calculations done client-side - your data never leaves your device
Savings Rate: 10-15% of income
Vehicles: Savings accounts, FDs, PPF
Risk Level: Very Low
Best For: Risk-averse individuals, short-term goals, emergency funds
Savings Rate: 20-30% of income
Vehicles: Mix of savings, FDs, and mutual funds
Risk Level: Low to Moderate
Best For: Most people, medium-term goals, balanced approach
Savings Rate: 40-50% of income
Vehicles: Investments, stocks, mutual funds
Risk Level: Moderate to High
Best For: High earners, early retirement goals, wealth building
Use our advanced savings calculator now and take the first step towards financial freedom and security.
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