Future Value Calculator
See what a sum of money will be worth in the future with interest and contributions.
Results update as you type.
About this calculator
The future value (FV) of money is what a present sum will grow to at a given interest rate over time — the core of the time value of money. This calculator grows a starting lump sum with compound interest and adds the future value of any regular payments, with a choice of payment timing (start or end of each period).
Frequently asked questions
What is the future value formula?
For a lump sum, FV = PV × (1 + i)^n, where i is the rate per period and n the number of periods. Regular payments add an annuity term, FV = PMT × ((1 + i)^n − 1) / i, which this tool adds on top of the lump-sum growth.
What does payment timing change?
Paying at the start of each period (an annuity due) gives every payment one extra period to earn interest, so the future value is slightly higher than paying at the end (an ordinary annuity). The tool multiplies the annuity term by (1 + i) for due.
Results are estimates for general guidance only, not financial, medical or tax advice.