What is the Future Value Calculator?
The future value calculator projects what your money could be worth after a number of years at a constant rate of return, with optional yearly contributions made at the end of each year.
How to use the Future Value tool
- Enter Present value, Annual return and Years.
- The result updates instantly as you type, or press Calculate.
- Use Try an example to see how it works, and Reset to start again.
Formula
FV = PV × (1 + r)^n + C × ((1 + r)^n − 1) ÷ r, where C is the yearly contribution.
Worked example
With present value 5000, annual return 6%, years 15, yearly contribution 1000, the future value comes to 35,258.76. Total contributed: 20,000; Growth earned: 15,258.76.
Frequently asked questions
Is the return guaranteed?
No. Real returns vary. Use a conservative rate for planning.
What if I contribute monthly?
Multiply the monthly amount by 12 for a close estimate, or use the compound interest calculator for monthly contributions.
Future value of 1,000 invested once
FV = PV(1 + r)^t.
| Rate | 5 years | 10 years | 20 years | 30 years |
|---|---|---|---|---|
| 2% | 1,104.08 | 1,218.99 | 1,485.95 | 1,811.36 |
| 3% | 1,159.27 | 1,343.92 | 1,806.11 | 2,427.26 |
| 5% | 1,276.28 | 1,628.89 | 2,653.3 | 4,321.94 |
| 7% | 1,402.55 | 1,967.15 | 3,869.68 | 7,612.26 |
| 10% | 1,610.51 | 2,593.74 | 6,727.5 | 17,449.4 |
FAQ
What is future value? What a sum today grows to at a given rate.
Does inflation matter? Yes; real growth is lower than nominal.
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Checked by Calcovate · Formula tested against worked examples · Updated 7 Nov 2026 · How we check our calculators. General information only, not financial or medical advice.