Estimate how much money could be worth in the future based on a starting amount, recurring contributions, time, and compound growth. This calculator helps project future value, total deposits, and total earnings.
Enter your numbers and click Calculate to estimate the future value of your money.
This future value calculator estimates how much a lump sum and optional monthly contributions could grow over time using compound interest or compound returns.
It combines the growth of your starting amount with the future value of recurring monthly deposits, then shows total deposits, total growth, and an inflation-adjusted estimate in today’s dollars.
The calculator uses the standard future value formula for a lump sum and adds the future value of recurring monthly contributions.
Future Value of Lump Sum:
FV = PV × (1 + r / n)nt
Future Value of Monthly Contributions:
FV = PMT × [((1 + i)m - 1) / i]
Where:
Longer time periods can have a major impact on future value because compounding has more time to work.
Regular monthly additions can significantly increase future value, especially over many years.
Small changes in the assumed rate can create big differences in the final value, so conservative estimates are often more useful for planning.
Inflation-adjusted results can help you understand what your future balance may actually be worth in today’s dollars.
Future value is the amount a sum of money may grow to over time after earning interest or investment returns.
Present value is what money is worth today. Future value is what that money may be worth at a later date after growth.
Yes. This calculator works for savings goals, investment growth, education funds, retirement planning, and other long-term money projections.
No. This version gives a general projection only. Taxes, account fees, and investment expenses may reduce actual results.