Interactive Tool
Time Value of Money Calculator
Answer five practical money questions with the same maths used for loans, investments, retirement income, and financial goals.
One calculator for money across time
Money today and money years from now are not directly comparable. Return, time, regular payments, and when those payments occur all change the answer. Choose the question that matches your decision, enter positive amounts, and the calculator handles the cash flow direction for you.
Run your own numbers
Your inputs
EMI
₹56,409
Every month
Total paid in
₹1.4 Cr
Total interest
₹70.4 L
A ₹65 L loan at 8.50% over 20 years costs an EMI of ₹56,409 a month.
Balance over time
Year by year
| Year | Opening balance | Paid | Interest | Closing balance |
|---|---|---|---|---|
| 1 | ₹65,00,000 | ₹6,76,902 | ₹5,47,537 | ₹63,70,635 |
| 2 | ₹63,70,635 | ₹6,76,902 | ₹5,36,103 | ₹62,29,836 |
| 3 | ₹62,29,836 | ₹6,76,902 | ₹5,23,657 | ₹60,76,591 |
| 4 | ₹60,76,591 | ₹6,76,902 | ₹5,10,112 | ₹59,09,800 |
| 5 | ₹59,09,800 | ₹6,76,902 | ₹4,95,369 | ₹57,28,267 |
| 6 | ₹57,28,267 | ₹6,76,902 | ₹4,79,323 | ₹55,30,688 |
| 7 | ₹55,30,688 | ₹6,76,902 | ₹4,61,859 | ₹53,15,645 |
| 8 | ₹53,15,645 | ₹6,76,902 | ₹4,42,851 | ₹50,81,593 |
| 9 | ₹50,81,593 | ₹6,76,902 | ₹4,22,163 | ₹48,26,854 |
| 10 | ₹48,26,854 | ₹6,76,902 | ₹3,99,646 | ₹45,49,598 |
| 11 | ₹45,49,598 | ₹6,76,902 | ₹3,75,139 | ₹42,47,836 |
| 12 | ₹42,47,836 | ₹6,76,902 | ₹3,48,466 | ₹39,19,400 |
| 13 | ₹39,19,400 | ₹6,76,902 | ₹3,19,436 | ₹35,61,934 |
| 14 | ₹35,61,934 | ₹6,76,902 | ₹2,87,839 | ₹31,72,870 |
| 15 | ₹31,72,870 | ₹6,76,902 | ₹2,53,449 | ₹27,49,417 |
| 16 | ₹27,49,417 | ₹6,76,902 | ₹2,16,020 | ₹22,88,535 |
| 17 | ₹22,88,535 | ₹6,76,902 | ₹1,75,282 | ₹17,86,915 |
| 18 | ₹17,86,915 | ₹6,76,902 | ₹1,30,943 | ₹12,40,956 |
| 19 | ₹12,40,956 | ₹6,76,902 | ₹82,686 | ₹6,46,740 |
| 20 | ₹6,46,740 | ₹6,76,902 | ₹30,162 | ₹0 |
Figures use the return, frequency, and timing selected above. Results are estimates for planning only.
Want a plan built around your actual numbers?
A calculator gives you the maths. A conversation gives you a plan that accounts for your existing investments, your goals, and what you can realistically commit every month.
Frequently asked questions
What is the time value of money?
The time value of money means a rupee available today can be worth more than the same rupee received later because today's money can earn a return. It helps compare cash amounts that occur at different times.
How is EMI calculated?
An EMI is calculated from the loan amount, periodic interest rate, and number of repayment periods. Each payment includes interest on the outstanding balance and repayment of part of the principal.
How long will my retirement corpus last?
That depends on the starting corpus, withdrawal amount and timing, investment return, and withdrawal frequency. If expected growth meets or exceeds withdrawals, the corpus may not be exhausted under the entered assumptions.
What return did my investment actually earn?
The earned return is the annual rate that connects what you invested with its current value over the stated period. Regular additions and their timing also affect the result.
SampadaSarathi is an AMFI registered Mutual Fund Distributor, ARN-357884. This tool gives directional estimates for planning purposes only, not personalised investment advice. Mutual fund investments are subject to market risk. Please read all scheme related documents carefully.