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Finance Calculators

Future Value Calculator

Calculate the future value of an investment given a starting amount, regular monthly contributions and a rate of return.

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Future value
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About the Future Value Calculator

Future value tells you what a starting balance plus a stream of regular contributions will grow to, given an assumed rate of return, by combining lump-sum compounding with the future value of an annuity.

Formula: FV = PV(1 + r)n + PMT × [((1 + r)n − 1) ÷ r], where r is the monthly rate and n is the number of months.

This is the same math behind retirement and savings projections — small, consistent monthly contributions compound significantly over long time horizons.

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