Future Value Calculator
See what your money could become if you save regularly. Enter your current amount, monthly deposit, expected annual return and years, and the tool shows the future value, total invested and the growth separately.
How to use
- Enter your lump sum amount today and monthly deposit (enter 0 for whichever does not apply).
- Enter the expected annual return and years.
- Select the compounding frequency.
- See the future value, total invested and growth separately.
Note
Standard time value of money formula. The return rate is an assumption — actual returns change with the market and are not guaranteed.
Tips
- The return rate is an assumption, not a promise — try a lower rate too, so you plan for the conservative case.
- Starting earlier matters more than depositing more; add a year or two and watch the compound growth change.
- This estimate ignores taxes, fees and inflation — subtract inflation mentally to see real purchasing power.
- Use the total-invested figure to check you are comfortable committing that much over the full period.
Frequently Asked Questions (FAQ)
What does the Future Value Calculator do?
It finds the future value of a lump sum today plus monthly deposits, using compound growth over a number of years.
What inputs does it need?
Lump sum today, monthly deposit (enter 0 for whichever does not apply), expected annual return rate, years, and compounding frequency: yearly, quarterly, monthly or daily.
What do the results show?
Future value, total invested and growth (interest earned) shown separately.
How does compounding frequency change the result?
More frequent compounding, such as monthly or daily, grows the total slightly faster than yearly compounding because the earned interest is added to the balance more often.
Is the return rate guaranteed?
No. The return rate is only an assumption based on the standard time value of money formula; real investments can perform better or worse.