Future Value Calculator

Calculate the future value of your investments with compound interest. Plan your retirement, savings goals, and investment strategies with detailed projections.

✓ Investment Growth ✓ Retirement Planning ✓ Savings Goals

Future Value Calculator

Investment Parameters

Initial investment amount

Expected annual return

Investment duration

How often interest compounds

Additional Contributions

Additional periodic investment

How often you add money

When payments are made

Expected annual inflation

Future Value Formula

Calculate the future value of investments with compound interest

Compound Interest Formula:

FV = PV × (1 + r/n)^(nt)
Where: FV = Future Value, PV = Present Value, r = Interest Rate, n = Compounding Frequency, t = Time

Quick Examples

Retirement Savings
$10K initial + $500/month for 30 years
College Fund
$5K initial + $200/month for 18 years
Emergency Fund
$1K initial + $100/month for 5 years

Investment Tips

Start Early: Time is your greatest asset
Compound Interest: Let your money work for you
Regular Contributions: Consistent investing builds wealth
Diversification: Don't put all eggs in one basket
Long-term Focus: Stay invested through market cycles

Power of Compounding

✓ Year 1-5: Slow but steady growth
✓ Year 6-15: Noticeable acceleration
✓ Year 16+: Exponential growth phase
✓ Rule of 72: Money doubles every 72/rate years
✓ Frequency Matters: More compounding = higher returns
Advertisement

Understanding Future Value

Future Value (FV) represents what an investment will be worth at a specific date in the future, assuming a particular interest rate and compounding frequency.

  • Time Value of Money: Money today is worth more than the same amount in the future
  • Compound Interest: Earning interest on both principal and previously earned interest
  • Regular Contributions: Additional periodic investments accelerate growth
  • Inflation Impact: Consider purchasing power over time

Applications

Retirement Planning

Calculate how much your retirement savings will grow over time.

Education Funding

Plan for future education expenses with systematic investing.

Investment Goals

Set and track progress toward specific financial targets.

Emergency Fund

Build a safety net through consistent saving and growth.