Future value calculator
Calculator
The calculator needs JavaScript. The tables below give the same numbers for common cases.
How it is worked out
- FV = PV × (1 + r)^n = $5,000.00 × 1.62889463 = $8,144.47.
- No periodic payments entered.
| Inputs | Answer |
|---|---|
| Present value: 5000; Interest rate per period: 5; Number of periods: 10; Payment each period: 0 | The future value is $8,144.47 after 10 periods at 5% per period. |
| Present value: 0; Interest rate per period: 0.5; Number of periods: 120; Payment each period: 200 | The future value is $32,775.87 after 120 periods at 0.5% per period. |
| Present value: 2000; Interest rate per period: 8; Number of periods: 25; Payment each period: 0 | The future value is $13,696.95 after 25 periods at 8% per period. |
How to use it
Future value is what money invested now will be worth later: FV = PV × (1 + r)^n. With regular payments at the end of each period, add p × ((1 + r)^n − 1) ÷ r. $5,000 at 5% per period for 10 periods becomes $8,144.47.
The rate and the number of periods must use the same unit (years with a yearly rate, months with a monthly rate). These are estimates from the numbers you type, not financial advice or an offer; real products add fees and change rates.
Frequently asked questions
What is the future value formula?
FV = PV × (1 + r)^n for a lump sum.
Can I use months instead of years?
Yes, as long as the rate is per month too.
How is future value different from present value?
Present value is what future money is worth today; they are the same relationship in reverse.
Method: standard arithmetic shown step by step; no outside data is used. Checked 2026-11-12.
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General information only. Results are plain arithmetic on the numbers you enter; check anything important (money, health, school work) against your own records or the official source.