Future Value Calculator
Enter the information you have for future Value in the Future Value. The explanation below the tool helps you check the method and its limits.
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/12How to use the Future Value
Enter the requested values and start with one realistic example. Read the result together with its unit or label, then change one input at a time if you want to compare options.
Use the result as a planning estimate. Rates, fees, rules and personal circumstances can change the final figure.
Frequently 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.