Future Value Calculator

A lump sum plus contributions, in nominal and real terms.

A lump sum plus contributions, in nominal and real terms. A starting balance plus regular contributions, compounded at your chosen frequency.

Written and maintained by Mohit PatelLast checked August 4, 2026How we build these

Currency

Starting amount

Annual return

Years

Compounding

Added each period

Inflation

Optional — shows the value in today's money.

Future value

$19,318.14

$6,318.14 of that is growth

Total contributed$13,000.00

Growth$6,318.14

Final value$19,318.14

Effective annual rate7.2290%

Contributions are treated as arriving at the end of each period, which is the ordinary annuity convention. Paying at the start instead earns one extra period of interest on every payment. The nominal 7.00% compounds to an effective 7.229% at this frequency.

How the Future Value Calculator works

A starting balance plus regular contributions, compounded at your chosen frequency. The inflation field is the one worth using: nominal growth flatters a long horizon, and the real figure is the one that tells you what the money will actually buy.

Also known as: future value formula · investment growth calculator · fv calculator · compound growth with contributions

Where to go next

The Future Value question rarely arrives on its own. These are the ones that usually come with it:

Savings Goal Calculator — What to put aside each month, and how much interest carries.
Compound Interest Calculator — See how savings grow with regular contributions.
Annuity Calculator — Present and future value, ordinary and due.
Loan & EMI Calculator — Monthly payment, total interest, and a full amortization schedule.

Sources

Not financial advice. This calculator is for planning and illustration, not financial advice. Real products carry fees, taxes, and terms it does not model. Confirm figures with your lender or a qualified adviser before committing.

Frequently asked questions

What is the future value formula?

FV = PV(1+r)ⁿ for a lump sum, plus PMT × ((1+r)ⁿ − 1)/r for regular contributions. Both are computed here and added.

Why does contribution timing matter?

Paying at the start of each period rather than the end earns one extra period of interest on every payment. This page uses the end-of-period convention, which is standard.

What is the effective annual rate?

What the nominal rate actually delivers once compounding is counted. 6% compounded monthly is 6.17% effective, which is the figure to compare between products.

Should I adjust for inflation?

For anything over a few years, yes. At 3% inflation, money halves in purchasing power roughly every 23 years — so a large nominal figure decades out can be a modest real one.

Put this calculator on your own site

Free to use, on any site, commercial or not. Paste this where you want it to appear. It is a plain iframe, so it works in WordPress, Squarespace, Wix, Webflow, Ghost and anything else that accepts HTML.

The one-line version

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