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Future Value Calculator

Calculate the future value of an investment with regular deposits and compound interest. See how your money can grow over time.

Investment Inputs

Results

Future Value
$0
Starting Amount (PV)
$0
Total Periodic Deposits
$0
Total Interest
$0

Breakdown

Growth Over Time

Accumulation Schedule

Period Start Balance Deposit Interest End Balance

Future Value Calculator Guide

What is Future Value?

Future Value (FV) is the value of an asset or cash at a specified date in the future, based on an assumed rate of growth over time. It is a fundamental concept in finance that helps you understand how much your investments can grow with compound interest and regular contributions.

Future Value Formulas

1. Future Value of a Single Sum
FV = PV × (1 + r)n

2. Future Value of an Annuity (Ordinary)
FV = PMT × [(1 + r)n − 1] / r

3. Future Value of an Annuity Due
FV = PMT × [(1 + r)n − 1] / r × (1 + r)

How to Use This Calculator

  1. Enter the Starting Amount (current investment or principal).
  2. Enter the Periodic Deposit (how much you will add regularly).
  3. Enter the Number of Periods and Interest Rate.
  4. Choose whether deposits are made at the beginning or end of each period.
  5. Click Calculate Future Value.
  6. View the results, charts, and detailed schedule.

Key Insights

  • Starting early has a massive impact due to compound interest.
  • Regular contributions (even small ones) dramatically increase your final amount.
  • The timing of deposits (beginning vs end of period) makes a noticeable difference over long periods.