Inflation Calculator
Value of money over time.
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Finance
Future Value Calculator
Grow a lump sum and optional monthly contributions at a rate of return.
Future value
—
Worth later.
| From the lump sum | — |
|---|---|
| From contributions | — |
| Total added | — |
| Growth | — |
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Enter your figures above to see the step-by-step working.
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How the Future Value Calculator Works
Future value is what money grows to by a later date, given a rate of return. This calculator compounds a starting lump sum and, if you add a monthly contribution, grows each deposit too — showing how much of the final total came from your money versus from growth. It’s the core of savings, investing and retirement planning.
Time and rate are powerful: because growth compounds on growth, starting earlier or earning a bit more return produces outsized differences over decades.
future value = present × (1 + r)^n + contributions grown
Frequently Asked Questions
What is future value?
What a sum of money will be worth later, after earning a rate of return. $5,000 at 6% for 10 years grows to about $8,954.
Does it include regular contributions?
Yes. Add a monthly amount and the calculator grows each deposit, splitting the total into contributions and growth.
How is it different from present value?
Future value grows money forward in time; present value discounts future money back to today. They’re inverses.
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