Future Value Calculator

Estimate how much an investment will be worth in the future with starting capital, regular deposits, and compound interest.

The formula this calculator uses

Future Value Calculator

FV = PV×(1+r)^n + PMT×[((1+r)^n − 1) / r]
r = monthly rate, n = total months

Example: $10k start + $500/mo at 8% for 20 years → ≈ $320,000+

The power of compounding

Regular contributions combined with compound interest create exponential growth over long periods. Starting early and staying consistent usually matters more than trying to time the market.

How to use this calculator

  1. Enter the required values in the fields above.
  2. Results update automatically as you type.
  3. Adjust any input to explore different scenarios.

Frequently asked questions

What is future value?

Future value is the amount an investment will grow to after a given period of compound interest and optional regular contributions.

Does this assume monthly compounding?

Yes. The rate is converted to a monthly rate and contributions are assumed monthly.

Can I model yearly contributions?

For yearly deposits multiply the annual contribution by 12 and use the same formula, or adjust the script for annual periods.

Is past performance a guarantee?

No. Projected rates are assumptions. Actual market returns vary year to year.