Future Value Calculator
Calculate the future value of an investment with optional periodic payments.
Before you calculate
Contributions recur at the selected frequency. Results are nominal and exclude tax, fees and inflation unless you account for them in the inputs.
Future Value Formula
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)]Example Scenarios
Lump Sum Growth
A $5,000 lump sum invested at 6% annually for 10 years without additional contributions grows to roughly $8,954.
Regular Contributions
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.
Sources & calculation notes
Maintained by MoneyCalc. Results are estimates based on the inputs and assumptions shown, not personalized financial advice or a lender quote. Default rates are examples unless a specific tax year or official table is identified.
References explain the underlying concepts or rules. They do not endorse or independently certify this implementation.
Calculations run in your browser. Some tools retain settings on this device. Displayed rounding can produce small differences from a statement or contract.