Calculate the future value of investments with lump sum and recurring contributions to see compound growth over time.
Formula: FV = PV × (1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Where PV = present value, PMT = monthly contribution, r = annual rate, n = compounding periods per year, t = years.
$10,000 invested at 7% for 30 years grows to ~$76,000. Adding $500/month makes it grow to ~$700,000+. The difference shows how regular contributions supercharge compound growth.
Cross-checked against authoritative formulas (IRS, NIST, ACM) and updated for 2025/2026 tax years and rates.
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FAQ
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A future value calculator is a free financial tool that projects what a present sum or series of payments will be worth at a future date, given a rate of return. Our future value calculator supports lump sums, annuities, and adjustable compounding. The future value calculator is used for retirement planning, education savings, and investment goal setting.
How it works
Our future value calculator lets you calculate how much an investment will be worth at a future date, with optional regular contributions, in three steps.
Type the initial deposit (lump sum) and any regular contributions (weekly, monthly, quarterly, or annual). For lump sum only (no contributions), set the contribution to 0. The calculator supports both scenarios and any combination.
Type the expected annual return as a percentage. Historical S&P 500: ~10% nominal (~7% real after inflation). Bonds: 3-5%. Savings: 4-5% (current high-yield). Then enter how many years you want to project. The calculator compounds monthly by default, but you can change to annual, quarterly, or daily.
The result shows the future value, total contributions, total growth, and a year-by-year table breaking down principal vs interest for each year. Compare scenarios by running the calculator with different rates (e.g. 5% vs 8% vs 10%) to see how sensitive your outcome is to your growth assumption.