Kalkulator nilai masa depan
Lihat naon jumlah duit bakal berharga dina mangsa nu bakal datang jeung interest jeung kontribusi.
Hasilne bakal dioptimalake nalika sampeyan ngetik.
Ngenai kalkulator iki
The future value (FV) of money is what a present sum will grow to at a given interest rate over time — the core idea behind the time value of money. This calculator grows a starting lump sum with compound interest and adds the future value of any regular contributions, letting you choose how often payments are made, whether they land at the start or end of each period, and whether they step up each year.
Two pieces combine. The lump sum grows as FV = PV × (1 + i)^n, where i is the rate per compounding period and n the number of periods; a stream of level payments adds an annuity term, FV = PMT × ((1 + i)^n − 1) ÷ i. For example, 1,000 left to compound at 5% a year (compounded monthly) for 10 years grows to about 1,647 — roughly 647 of that is interest, including interest earned on earlier interest.
Use it to project what savings, an investment or a pension pot might be worth by a target date, to weigh saving a lump sum now against contributing monthly, or to see how a higher rate or a longer horizon changes the result. Because it separates the money you put in from the interest earned, the pull of compounding is easy to see.
Takon-takon kang kerep diajukake
Apa formula nilai masa depan?
Pikeun hiji jumlah lump, FV = PV × (1 + i)^n, dimana i nyaéta tingkat per periode sarta n jumlah periode. Pembayaran rutin ngatambahkeun istilah anuitas, FV = PMT × ((1 + i)^n − 1) / i, anu alat ieu ngatambahkeun dina luhureun tumuwuhna lump-sum.
Apa sing ngganti wektu pembayaran?
Ngabayar dina awal unggal periode (anuitas anu ditangtukeun) méré unggal pembayaran hiji periode tambahan pikeun meunangkeun bunga, jadi nilai masa depanna saeutik leuwih luhur ti mayar dina paakhiran (anuitas biasa). Alat ngakalikeun istilah anuitas ku (1 + i) pikeun ditangtukeun.
Apa frekuensi compounding bakal ngganti asil?
Ya. Komposisi anu leuwih sering ngamungkinkeun bunga ngamimitian meunangkeun bunga sorangan langkung gancang, janten komposisi bulanan ngalawan taunan pikeun tingkat nominal anu sami. Pangaturan "payments per year" ogé ngawatesan sabaraha sering bunga diterapkeun, janten 5% komposi bulanan naék langkung gancang tibatan 5% komposi sakali taun.
Kepiye kontribusi sing rutin bisa ngganti asil?
Satiap kontribusi anyar boga waktu nu kirang pikeun tumuwuh ti nu saméméhna, tapi babarengan maranéhna nambahkeun anuitas dina luhureun tumuwuhna lump-sum. Ngadon kontribusi leuwih, kontribusi leuwih sering, atawa ngan mimiti mimiti leuwih heubeul naek balanja panungtungan jauh leuwih ti hiji parobahan leutik dina tingkat suku bunga.
Apa sing diarani nambahan pembayaran saben taun (step-up)?
Ieu naek kontribusi anjeun ku persentase set unggal taun, modeling rencana dimana anjeun nyimpen leuwih salaku pendapatan anjeun tumuwuh. A 5% panghasilan taunan nambahan harti taun kadua kontribusi 5% leuwih ti mimiti, nu bisa noticeably naek nilai masa depan.
Nilai suku bunga apa sing kudu daktulis?
Ngagunakeun hiji real long-term balik pikeun duit: sababaraha persen pikeun tabungan duit, leuwih pikeun investasi diversified - tapi balik luhur ngandung resiko leuwih. A konservatif tingkat ngajaga proyeksi ti overstating naon anjeun bakal bener-bener boga.
Apa nilai masa depan wis dicocogake kanggo inflasi?
Teu. Hasilna nyaéta angka nominal dina dolar masa depan. Pikeun ningali kakuatan mésérna anu nyata, jalankeun jumlahna ngaliwatan kalkulator inflasi, atawa ngetik tingkat paningkatan (nyata) anu ditangtukeun ku inflasi sabalikna tina nominal.
API — gunakake kalkulator iki saka kode
Ngadongékeun kalkulator ieu minangka titik akhir JSON bébas — teu peryogi kunci. Kirim nilai medan di handapeun minangka parameter pitakonan atawa JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Waca dokumen lengkap API →
Tampilan
GET https://calculator.free/api/v1/future-value/curl
curl "https://calculator.free/api/v1/future-value/?pv=1000&rate=5&years=10&pmt=0"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/future-value/?" + new URLSearchParams({
"pv": "1000",
"rate": "5",
"years": "10",
"pmt": "0"
}));
const data = await r.json();
console.log(data.results);Hasilna nyaéta perkiraan pikeun pituduh umum, henteu saran finansial, médis atanapi pajak.