Future Value Calculator
What money today is worth later.
Enter your values
Enter the present value in $.
Enter the monthly contribution in $.
Enter the annual return in %.
Enter the years you are working with.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Future value
- $123,578.16
- Total contributed
- $64,000.00
- Growth
- $59,578.16
- Growth share
- 48.21%
Quick answer
Future value compounds a present sum forward, adding the growth of any regular contributions along the way.
FV = PV(1+r)^n + PMT × ((1+r)^n − 1)/r
At a glance
| What it does | What money today is worth later. |
|---|---|
| Category | Finance |
| Inputs needed | Present value, Monthly contribution, Annual return, Years |
| Main output | Future value |
| Formula | FV = PV(1+r)^n + PMT × ((1+r)^n − 1)/r |
| Cost | Free — no sign-up, no download |
How to use the Future Value Calculator
- 1Enter the amount you have today.
- 2Add any monthly contributions.
- 3Set the expected return and time horizon.
Inputs explained
- Present value($)
- Enter the present value in $.
- Monthly contribution($)
- Enter the monthly contribution in $.
- Annual return(%)
- Enter the annual return in %.
- Years
- Enter the years you are working with.
Worked example
Using the values the calculator loads with:
Inputs
- Present value10000 $
- Monthly contribution300 $
- Annual return7 %
- Years15
Results
- Future value$123,578.16
- Total contributed$64,000.00
- Growth$59,578.16
- Growth share48.21%
Frequently asked questions
What return should I assume?
6–8% nominal for a diversified equity portfolio over long periods.
Does this account for inflation?
No — subtract about 3% from your rate for a real (inflation-adjusted) figure.
What do I need to enter into the Future Value Calculator?
Just 4 values: present value, monthly contribution, annual return, years. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Future Value Calculator work out the answer?
Future value compounds a present sum forward, adding the growth of any regular contributions along the way. It applies the formula FV = PV(1+r)^n + PMT × ((1+r)^n − 1)/r and shows the working so you can check each step by hand.
Is the Future Value Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.