Future Value Calculator
Find the future value of a sum with periodic deposits, per period or by years with any compounding.
Change the values and press Calculate to work out your own figures.
By periods (N, I/Y, PMT)
Enter the periods, rate per period, starting amount and deposit.
Show the working
- FV = PV × (1 + i)^N + PMT × ((1 + i)^N − 1) ÷ i
By years with compounding
Enter the starting amount, yearly contribution, rate and years.
| Year | Contributions | Interest | Balance |
|---|---|---|---|
| 1 | $0.00 | $7,000.00 | $107,000.00 |
| 2 | $0.00 | $7,490.00 | $114,490.00 |
| 3 | $0.00 | $8,014.30 | $122,504.30 |
| 4 | $0.00 | $8,575.30 | $131,079.60 |
| 5 | $0.00 | $9,175.57 | $140,255.17 |
| 6 | $0.00 | $9,817.86 | $150,073.04 |
| 7 | $0.00 | $10,505.11 | $160,578.15 |
| 8 | $0.00 | $11,240.47 | $171,818.62 |
| 9 | $0.00 | $12,027.30 | $183,845.92 |
| 10 | $0.00 | $12,869.21 | $196,715.14 |
| 11 | $0.00 | $13,770.06 | $210,485.20 |
| 12 | $0.00 | $14,733.96 | $225,219.16 |
| 13 | $0.00 | $15,765.34 | $240,984.50 |
| 14 | $0.00 | $16,868.92 | $257,853.42 |
| 15 | $0.00 | $18,049.74 | $275,903.15 |
| 16 | $0.00 | $19,313.22 | $295,216.37 |
| 17 | $0.00 | $20,665.15 | $315,881.52 |
| 18 | $0.00 | $22,111.71 | $337,993.23 |
| 19 | $0.00 | $23,659.53 | $361,652.75 |
| 20 | $0.00 | $25,315.69 | $386,968.45 |
| 21 | $0.00 | $27,087.79 | $414,056.24 |
| 22 | $0.00 | $28,983.94 | $443,040.17 |
| 23 | $0.00 | $31,012.81 | $474,052.99 |
| 24 | $0.00 | $33,183.71 | $507,236.70 |
| 25 | $0.00 | $35,506.57 | $542,743.26 |
| 26 | $0.00 | $37,992.03 | $580,735.29 |
| 27 | $0.00 | $40,651.47 | $621,386.76 |
| 28 | $0.00 | $43,497.07 | $664,883.84 |
| 29 | $0.00 | $46,541.87 | $711,425.70 |
| 30 | $0.00 | $49,799.80 | $761,225.50 |
Show the working
- each month: balance × periodic rate × (1 − tax) is added, with contributions at the start or end
- periodic rate = (1 + r ÷ n)^(n ÷ 12) − 1
How to use it
Enter the periods, rate per period, starting amount and deposit. Enter the starting amount, yearly contribution, rate and years.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
FV = PV × (1 + i)^N + PMT × ((1 + i)^N − 1) ÷ i (× (1 + i) at the beginning)
Questions
What is $1,000 plus $100 a period at 6% for 10 periods?
$3,108.93.
What does $100,000 grow to at 7% for 30 years?
$761,225.50.
Formulas
FV = PV × (1 + i)^N + PMT × ((1 + i)^N − 1) ÷ i (× (1 + i) at the beginning)
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.