Future Value Calculator
Find what a starting amount and regular payments will be worth in the future at a given interest rate. Choose how often interest is added and whether payments come at the start or end of each period. It runs in your browser.
Also searched as: fv calculator · future value of annuity calculator · savings future value calculator · future value with deposits
Updated November 9, 2026
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How to use it
- 1
Enter the amounts
Type a starting amount and a payment to add each period.
- 2
Set rate, years and timing
Enter the yearly rate and the years, and pick how often interest is added.
- 3
Read the future value
See the total, what you put in and the interest earned.
Questions about future value calculator
What is future value?
What money you have now, or save regularly, will be worth at a later date once interest is added.
What does payment timing change?
Payments at the start of a period earn interest for one extra period, so the result is a little higher.
Can I leave the payment at zero?
Yes, to find the future value of a single lump sum.
What the calculator adds up
The starting amount grows by compound interest, and each payment grows from the moment it is paid. With 10,000 to start, 200 added every month and 6% a year compounded monthly, the balance after 10 years is 50,969.84. You put in 34,000.00, so 16,969.84 of it is interest.
| Years | Balance |
|---|---|
| 5 | 27,443 |
| 10 | 50,970 |
| 15 | 82,705 |
| 20 | 125,510 |
| 25 | 183,248 |
Compounding and payment timing
Interest added more often earns slightly more. 10,000 at 6% for 10 years with no payments becomes 17,908.48 compounded yearly, 18,140.18 quarterly and 18,193.97 monthly.
Payments at the start of each period earn one more period of interest. The example above reaches 51,133.72 with payments at the start, instead of 50,969.84 with payments at the end.
The tool makes one payment every compounding period, so choose Monthly for monthly deposits and Yearly for yearly ones. Leave the payment at zero to find the future value of a single sum.
Before and after inflation
The result is a figure for the future, not for today. At 3% inflation, 50,970 in 10 years buys about what 37,926 buys now. To judge a goal in today’s money, use a rate after inflation, or compare the result with what the goal will cost by then.
The tool also ignores tax on the interest and any account fees, both of which lower what you keep. For a goal with a target amount, the Savings Goal Calculator works the other way round and finds the monthly deposit.