Future Value Calculator
Project what a present value plus regular contributions grows to, with adjustable compounding and contribution timing.
Starting numbers
The contribution is added once every compounding period. Calculated in your browser as you type. Nothing is uploaded.
Compounding frequency
Interest and each contribution both apply once per period, so the rate per period is the annual rate divided by the number of periods.
Contribution timing
Assumes one constant annual rate and unbroken contributions. Real returns vary.
| Year | Contributed to date | Interest to date | Future value |
|---|---|---|---|
| 1 | 12,400.00 | 683.89 | 13,083.89 |
| 2 | 14,800.00 | 1,557.99 | 16,357.99 |
| 3 | 17,200.00 | 2,634.03 | 19,834.03 |
| 4 | 19,600.00 | 3,924.46 | 23,524.46 |
| 5 | 22,000.00 | 5,442.51 | 27,442.51 |
| 6 | 24,400.00 | 7,202.21 | 31,602.21 |
| 7 | 26,800.00 | 9,218.48 | 36,018.48 |
| 8 | 29,200.00 | 11,507.14 | 40,707.14 |
| 9 | 31,600.00 | 14,084.97 | 45,684.97 |
| 10 | 34,000.00 | 16,969.84 | 50,969.84 |
| 11 | 36,400.00 | 20,180.66 | 56,580.66 |
| 12 | 38,800.00 | 23,737.54 | 62,537.54 |
| 13 | 41,200.00 | 27,661.83 | 68,861.83 |
| 14 | 43,600.00 | 31,976.19 | 75,576.19 |
| 15 | 46,000.00 | 36,704.68 | 82,704.68 |
| 16 | 48,400.00 | 41,872.83 | 90,272.83 |
| 17 | 50,800.00 | 47,507.78 | 98,307.78 |
| 18 | 53,200.00 | 53,638.30 | 106,838.30 |
| 19 | 55,600.00 | 60,294.96 | 115,894.96 |
| 20 | 58,000.00 | 67,510.22 | 125,510.22 |
How to calculate future value
Enter the starting numbers
Type a present value, a contribution per period, an annual rate, and how many years to grow.
Pick a compounding frequency
Choose annually, semi-annually, quarterly, monthly, or daily compounding to set how often interest is added.
Set the contribution timing
Choose whether each contribution lands at the start or the end of the period, which shifts the annuity by one period.
Read the result
The future value, total contributions, and total interest appear instantly, with a year-by-year table below.
Why use this tool
Lump sum and contributions together
A present value and a level contribution per period are grown at the same per-period rate and combined into one future value.
Five compounding frequencies
Switch between annual, semi-annual, quarterly, monthly, and daily compounding and watch the result recalculate at once.
Start or end of period timing
Toggle between an ordinary annuity and one where contributions land first, so each deposit earns an extra period of growth.
Interest vs contributions split
The future value is split into what you put in and what growth added, so the effect of compounding is never hidden.
Year-by-year table
Every year shows the amount contributed to date, the interest to date, and the running balance so you can trace the curve.
About this tool
Future value is what an amount today is worth after it grows for a set number of years at a given rate. This calculator takes a present value, an optional contribution made every compounding period, an annual rate, and a horizon, then applies the standard future value formula: the present value compounds forward, the stream of contributions is grown as an annuity, and the two are added. It reports the future value, the total you contributed, and the interest earned on top, with a year-by-year table showing how that split shifts over time.
Two switches change the outcome. Compounding frequency sets how often interest is added, from once a year to daily, with the rate per period equal to the annual rate divided by the number of periods. Contribution timing decides whether each deposit lands at the end of the period, the usual ordinary annuity, or at the start, where every deposit earns one extra period of growth and the future value is a little higher. When the rate is 0%, both switches stop mattering and the result is simply everything you put in.
Use it to compare scenarios: a bigger lump sum today against steady deposits, or a longer horizon against a higher rate. The math assumes one constant rate and unbroken contributions, so read the output as a projection rather than a forecast of any real investment. Everything runs in your browser as you type, and nothing is uploaded. To grow a balance with monthly deposits and a running table, try the compound interest calculator, and to solve the reverse, how much to save each period to hit a target, use the savings goal calculator.
Frequently asked questions
- What formula does the future value calculator use?
- It uses FV = PV times (1 + i) to the power n, plus the contribution times ((1 + i) to the power n minus 1) divided by i, where i is the rate per period and n is the number of periods. Start-of-period timing multiplies the contribution term by (1 + i). At a 0% rate the result is the present value plus every contribution.
- What counts as the contribution per period?
- One deposit made every compounding period. If you compound monthly, the contribution is added each month; if you compound annually, it is added once a year. Set it to zero to grow the present value alone.
- Does contribution timing change the result much?
- Start-of-period contributions earn one extra period of growth each, so the future value is slightly higher than end-of-period contributions. The gap widens with a higher rate, more frequent compounding, and a longer horizon, but is small at typical rates.
- Which currency does it use?
- None. The calculator works in plain numbers, so the result is in whatever currency you typed. Formatting adds thousands separators and two decimals but no symbol.
- Are there limits on the inputs?
- The horizon goes up to 75 years and the rate up to 100%. Amounts are capped high enough for any realistic plan. If the numbers grow beyond what can be shown, the calculator asks you to lower the rate, years, or amount.
- Is my data uploaded anywhere?
- No. Everything runs in your browser as you type. Nothing is sent to a server, stored, or logged.
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