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Future Value Calculator

What money today grows into, with or without contributions.

Calculators Reviews Free · no sign-up
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Contributions against growth

Money you put in—

Growth—

YearPaid inGrowth that yearBalanceIn today's money

Future value

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Total paid in—
Growth earned—
Growth multiple—
Effective annual rate—
Value in today's money—
Lost to inflation—
Real annual return—

Quick Tool Overview

The Future Value Calculator grows a lump sum, a contribution stream, or both, to any future date, separating what you put in from what growth added — and reports the real value after inflation, since a big nominal number is not the same as purchasing power.

What it does
Calculates what money today will be worth in the future
You give it
A starting amount, optional contributions, a rate and a term
You get back
The future value split into contributions and growth, nominal and real
Best for
Projecting any savings or investment goal
Calculators Free, unlimited use No sign-up Runs in your browser

About the Future Value Calculator

Enter a starting amount, a rate and a period to see what it grows to, and add a regular contribution to combine a lump sum with an ongoing savings plan. Compounding frequency is adjustable, and the result separates contributions from growth.

Future value is the most direct demonstration of why time matters more than amount in long-term saving. Because growth compounds, the final years of a long horizon add far more than the early ones, which is why a decade of delay costs far more than a decade of contributions would suggest. The calculator also reports the real value after inflation, since a large nominal number thirty years out is not the same thing as a large amount of purchasing power.

Key features of the Future Value Calculator

Lump sum plus contributions

Both parts of a real savings plan in one calculation rather than two.

Growth separated from deposits

Seeing how much of the total is growth is the clearest argument for starting early.

Real terms reported

Inflation-adjusted value, because a million in thirty years is not a million today.

Any compounding frequency

Annual through daily, with contributions at the start or end of each period.

Year-by-year path

The full growth curve rather than just the endpoint, which shows where compounding actually happens.

How to use the Future Value Calculator

  1. 1

    Enter the starting amount

    The lump sum you have today, which can be zero if you are starting from nothing.

  2. 2

    Add regular contributions

    An optional recurring amount, and whether it is paid at the start or end of each period.

  3. 3

    Set the rate and term

    The annual growth rate, the compounding frequency and the number of years.

  4. 4

    Check the real value

    Enter inflation to see what the final amount would actually buy in today money.

Frequently asked questions

What an amount of money today will be worth at a future date, given a rate of growth. It is the forward version of the same relationship that present value runs backwards.

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