Future Value Calculator
Project what a starting amount plus regular monthly contributions grows into at a steady rate of return.
Future value
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Total contributed —
Growth —
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How it works
FV = PV(1+i)ⁿ + PMT·((1+i)ⁿ−1)/i, i = rate/12Frequently Asked Questions
How is future value calculated?
The starting balance compounds, and each contribution compounds from the month it is made: $5,000 plus $300/month at 7% grows to about $62,000 in 10 years.
Contributions or starting balance — which matters more?
Over short horizons, contributions dominate; over decades, compounding on the early balance takes over. Run both levers here and watch the split.
Are the results inflation-adjusted?
No — figures are nominal. Subtract expected inflation from the return (e.g. use 4% instead of 7%) to see the answer in today's purchasing power.