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  4. Future Value Calculator

Future Value Calculator

Grow a starting amount plus periodic deposits with compound interest per period.

Interest & savings

  • Compound Interest Calculator
  • Simple Interest Calculator
  • Present Value Calculator
  • Future Value Calculator
  • Savings Calculator

How it works

Future value is what money invested today is worth later after compound interest. The opening balance and each deposit grow from the period they are added until the end.

FV = PV(1 + i)^N + PMT[((1 + i)^N − 1)/i]

When to use

Use this tool when you need to: {starting} plus {payment}/period for 10 periods at 6% grows to {future}.

How to use this tool

  1. Enter your values in the fields above.
  2. Review the formula and any mode options for your problem.
  3. Read the result and the step-by-step solution.

{starting} plus {payment}/period for 10 periods at 6% grows to {future}.

Frequently asked questions

What is the Future Value Calculator?
Future value is what money invested today is worth later after compound interest. The opening balance and each deposit grow from the period they are added until the end.
How do I use the Future Value Calculator?
Enter the required values, then calculate. The Future Value Calculator shows results, formulas, and step-by-step work when available. No account is required.
What formula does the Future Value Calculator use?
FV = PV(1 + i)^N + PMT[((1 + i)^N − 1)/i]

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Future Value Calculator

Grow a starting amount plus optional periodic deposits. I/Y is the rate per period; N is the number of compounding periods.

Try an example

How it works

What future value is

Future value is what money invested today is expected to be worth later after compound interest. A savings account balance, a bond payoff, and a retirement nest egg are all future values. $10 at 6% per period for one period becomes $10.60.

Lump sum plus annuity

The opening balance grows by (1 + i) each period for N periods. Each deposit also compounds from the period it is added. End-of-period deposits use the ordinary annuity factor; beginning-of-period deposits use an annuity-due factor (multiplied by 1 + i). Enter 0 for the deposit to model a lump sum only.

PV in the results

Present value is the total you put in today in economic terms: the starting amount plus the discounted value of every future deposit. It is not the same as future value minus interest — it is what those cash flows are worth now at the quoted rate.

The time value of money

FV and PV are two sides of the same idea. N and I/Y must match: monthly compounding means N is months and I/Y is the monthly rate. To discount a future amount or deposit stream instead of growing it, use the Present Value calculator.