Future Value Calculator
Future value tells you what money you have today, plus any regular deposits, will be worth at a future date once compound interest has done its work. This calculator combines two classic finance formulas: the future value of a present lump sum, and the future value of a series of equal contributions, so it handles both a starting balance and ongoing monthly savings. Enter your present value, monthly contribution, annual interest rate, and the number of years, and it compounds monthly to give an accurate projected balance along with how much of that total was contributed versus earned as interest. It is the essential tool for planning savings goals, retirement pots, or any investment where money grows over time. All computation happens locally in your browser.
How to use Future Value Calculator
- Enter your starting lump sum and regular contribution.
- Set the annual return and number of years.
- Read the projected future value.
Frequently asked questions
What does future value measure?
It is what a lump sum plus regular contributions grow to after compound interest over a set number of years.
How do regular contributions factor in?
Each contribution is added and then compounds for the remaining time, so ongoing deposits meaningfully raise the final value.
Does compounding frequency change the result?
Yes. More frequent compounding produces a slightly higher future value for the same annual rate.
What is Future Value Calculator?
Future value tells you what money you have today, plus any regular deposits, will be worth at a future date once compound interest has done its work. This calculator combines two classic finance formulas: the future value of a present lump sum, and the future value of a series of equal contributions, so it handles both a starting balance and ongoing monthly savings.
Is Future Value Calculator free to use?
Yes. Future Value Calculator is completely free, with no sign-up and no usage limits.
Does Future Value Calculator work in a web browser?
Yes. Future Value Calculator runs in any modern web browser. There is nothing to download or install.
Is my data private with Future Value Calculator?
Yes. Future Value Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.
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