Future Value Calculator
Calculate the future value of an investment with optional periodic payments.
Calculate the future value of an investment with optional periodic payments.
The current lump sum amount.
Expected annual rate of return.
Number of years to grow.
Amount added at each contribution period.
FV = future value, PV = present value, r = annual rate, n = compounding/contribution periods per year, t = years, PMT = periodic payment.
FV = PV × (1 + r/n)^(n×t) + PMT × [((1 + r/n)^(n×t) − 1) / (r/n)]A $5,000 lump sum invested at 6% annually for 10 years without additional contributions grows to roughly $8,954.
Adding $100/month to a $5,000 principal at 6% for 10 years results in approximately $25,000 — regular contributions can more than double the outcome.