Free calculator
Free year from now calculator
Enter your monthly income, monthly expenses, current savings and any income growth. MakeSense projects your balance 12, 24 and 36 months ahead, and shows what a raise does to the timeline.
Last updated: September 2026
Where your money will be
= Rs. 4k
= Rs. 2.8k
= Rs. 3k
- Monthly surplus
- Rs. 1,200.00
- In 12 months
- Rs. 17,400.00
- In 24 months
- Rs. 31,800.00
- In 36 months
- Rs. 46,200.00
How the formula works
Balance in N months = current savings + (income - expenses) x N. When income grows, each month earns more than the last: the monthly surplus compounds at the growth rate. The calculator shows both the flat line and the raised path so you can see the difference a pay increase makes.
Worked example
With Rs. 30,000 saved, Rs. 40,000 income and Rs. 28,000 expenses each month, your surplus is Rs. 12,000. One year from now that is about Rs. 174,000 saved, two years about Rs. 318,000 and three years about Rs. 462,000. A 10% raise that lands next year pushes the three-year number higher still.
What affects the result
The projection only grows when income beats expenses. A negative surplus makes the line slope down, which is worth seeing before it surprises you. Income growth compounds month by month in this calculator, so even a small yearly raise becomes visible over three years.
Common mistakes
- Assuming the full raise lands in month one instead of over the year.
- Forgetting irregular yearly costs like insurance or renewals.
- Treating a one-time bonus as monthly income.
- Ignoring the projection when the surplus is negative.
Frequently asked questions
What does 'year from now' mean?
It is the balance you expect in 12 months from today, built from current savings plus each month of surplus. The calculator extends the same line to 24 and 36 months.
How is income growth calculated?
The raised income applies month by month at the yearly rate. A 10% growth rate lifts each month's income by 10/12 of the month before, so the surplus rises gradually.
Does this account for inflation?
No. It projects the same rupee value you save today. Inflation would eat into what those savings buy, which is why the projection is an estimate, not a promise.
Can I use it for a savings goal instead?
Yes. The savings goal calculator is sharper for a specific target, while this one is better for a broad 'where will I be' view across three years.
Related tools
Results are arithmetic on the numbers you enter, not predictions. Validate important figures with an accountant before making financial commitments.