Future Value Calculator
Future value answers: "If I invest this much today and add deposits periodically, what will I have later?" It is the foundation of retirement projections...
Enter values and click Calculate.
Schedule
Introduction
Future value answers: "If I invest this much today and add deposits periodically, what will I have later?" It is the foundation of retirement projections, college savings, and any goal with a target date.
Future Value Explained
Future value answers: "If I invest this much today and add deposits periodically, what will I have later?" It is the foundation of retirement projections, college savings, and any goal with a target date.
Inputs That Matter Most
- Starting amount: existing balance today.
- Periodic deposit: consistent contributions magnify long-term results.
- Rate: use realistic after-tax return assumptions.
- Periods: longer horizons dominate thanks to compounding.
Beginning vs End Deposits
Deposits at period start compound for the full interval. End-of-period deposits match many automatic savings plans. The difference is modest short-term but meaningful over decades.
Visual Breakdown
The donut chart splits ending wealth into starting principal, total deposits, and interest earned—making it easy to see how much of the final balance came from growth versus contributions.
Related Calculators
Discount future payouts with the Present Value Calculator. Solve required deposits with the Savings Calculator.
How It Works
- Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
- Click Calculate to run the Future Value Calculator engine. Invalid or empty required fields show a clear error message.
- Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
- Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.