Future Value (FV) Calculator

Try Example Scenario:

Present Value / Initial Investment ($)

Current investment value or starting amount

Regular Contribution ($)

Regular contribution amount (optional)

Contribution Frequency

Contribution Timing

Annual Interest Rate (%)

Expected annual return rate

Compounding Frequency

Time Period (Years)

Investment duration in years

Future Value Results

Investment Growth Over Time

Principal vs. Interest Earned

What is Future Value?

Future Value (FV) is the value of a current asset at a future date based on an assumed rate of growth. It helps you understand how much your current investment will be worth in the future.

How to Use This Calculator

Enter your initial investment amount (Present Value)
Optionally add regular contributions
Set the expected annual interest rate
Choose compounding frequency
Enter the time period in years
Click "Calculate Future Value"

FV Formula

For Lump Sum:

FV = PV × (1 + r)ⁿ

For Regular Contributions:

FV = PMT × [((1 + r)ⁿ - 1) / r] × (1 + r×type)

Where:

PV = Present Value
PMT = Payment per period
r = Interest rate per period
n = Number of periods
type = 0 (end) or 1 (beginning)

Key Concepts

Compound Interest: Interest calculated on the initial principal and accumulated interest
Present Value: The current worth of a future sum of money
Time Value of Money: Money available today is worth more than the same amount in the future
Annual Return: The percentage gain or loss on an investment over a year

Common Uses

Retirement planning and savings goals
Education fund projections
Investment portfolio growth estimates
Savings account projections
Long-term financial planning