Future Value Calculator
Calculate how your investments will grow over time
Investment Details
1 10 20 30 40 50
10 years
1% 5% 10% 15% 20%
7%
Results
Future Value
$23,219
Total Contributions
$12,400
Interest Earned
$10,819
Investment Growth Over Time
Composition of Final Value
Enter your investment details and click “Calculate” to see results
About Future Value
The future value (FV) calculates how much an investment made today will be worth in the future, considering compound interest.
How it’s calculated:
The formula for future value with regular contributions is:
FV = P × (1 + r/n)^(n×t) + PMT × [((1 + r/n)^(n×t) - 1] / (r/n) - P = Principal investment amount
- PMT = Monthly contribution amount
- r = Annual interest rate (decimal)
- n = Number of compounding periods per year
- t = Time the money is invested for (years)
Key Insights:
- Compound interest accelerates growth by earning interest on interest
- Time is your greatest ally – small investments grow significantly over decades
- Regular contributions dramatically increase the final amount
- Higher compounding frequency yields slightly better returns