Future Value Calculator

Calculate what your money will be worth in the future with compound interest or a lump sum investment.

Present Value ($)

Periodic Payment ($)

Optional: regular contributions

Interest Rate (% per period)

Number of Periods

e.g., 20 years with 7% annual return

Future Value

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Total Contributions

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Total Interest Earned

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Growth Multiple

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FV Formula

Future Value with payments: FV = PV(1+r)^n + PMT[((1+r)^n - 1)/r]. This is the time value of money: a dollar today is worth more than a dollar tomorrow because you can invest it and earn returns.