Future Value Calculator

Use this free future value calculator to project a starting amount and regular payments forward with an entered rate, time period, and payment frequency.

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Formula steps Estimate limits shown Examples included Private history

Starting amount ($)Regular payment ($)Interest / return rate (%)YearsPayments per year

Estimated future value$50,066.82

$5,000 plus regular payments

Principal growth: $9,096.98
Payment growth: $40,969.84
Total contributions: $35,000.00
Estimated growth: $15,066.82

Formula steps

Compound the starting amount over the selected time.
Compound each regular payment using the selected payment frequency.
Add both future value parts.

How to use the future value calculator

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Project a savings or investment balance.

Compare payment frequencies and return assumptions.

Separate growth from total contributions.

Use alongside present value for time-value math.

Examples

Monthly saving $5,000 start plus $250 monthly for 10 years

Future value estimate

No new payments $20,000 compounded for 8 years

Lump-sum future value

Annual contribution $3,000 per year for 12 years

Future value estimate

Frequently asked questions

Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.

When should I use the Future Value Calculator?

Use it for early planning and side-by-side comparisons, especially for tasks like these: Project a savings or investment balance. Compare payment frequencies and return assumptions. Treat the answer as a planning estimate, not a final quote.

What is the Future Value Calculator doing with my numbers?

In plain language: The calculator compounds the starting amount and compounds each regular payment using the selected payment frequency, then adds both future value parts. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.

What does this estimate leave out?

This assumes steady rate and payment timing. It does not include market volatility, tax, fees, missed payments, inflation, or account rules. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.

Does the site save my finance inputs?

No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.