Future Value Calculator
Project how a current balance and regular end-of-period contributions may grow under a fixed compounded rate.
Calculate Future Value
Calculate future value from a starting amount, annual rate, years, compounding frequency, and periodic contributions.
What This Future Value Calculator Calculates
Project how a current balance and regular end-of-period contributions may grow under a fixed compounded rate. The calculation runs locally in your browser, so the values you enter are not sent to OfficeCalculator.Net by this tool.
Formula
FV = PV(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) ÷ (r/n)].
How to Use the Calculator
- Enter the requested values using the same time period and units where applicable.
- Review percentages, dates, or currency selections before calculating.
- Select Calculate to generate the main result and supporting metrics.
- Use Copy, Share, or Save Result Image when you need to keep the result.
Worked Example
Example: start with $10,000, add $200 each month, and apply a 7% annual rate for 10 years to estimate the future balance.
Common Uses
- Project savings growth.
- Compare contribution levels.
- Estimate the long-term effect of compounding.
Important Notes
This calculator is designed for planning, comparison, and educational use. Results depend on the assumptions and values entered. Financial, payroll, statistical, and policy rules can vary by organization and location, so verify important decisions against the relevant records or professional requirements.
Frequently Asked Questions
When are contributions assumed to be made?
The calculator treats periodic contributions as end-of-period contributions.
What happens when the interest rate is zero?
The future value becomes the starting balance plus all periodic contributions.
Are taxes or fees included?
No. The calculation uses only the values entered and does not automatically include taxes, fees, or changing rates.