Future Value Calculator

TIME VALUE OF MONEY · COMPOUND GROWTH WITH REGULAR DEPOSITS

What will your money grow to? Enter a starting amount, a growth rate, the years and an optional deposit each period to get the future value, the total you put in and the interest earned.

Starting with $10,000.00 and adding $500.00 12 times a year · for 30 years at 7% a year

Example · $10,000 plus $500 a month, 30 years at 7%

Growth rate, % a year

Years

Periods per year

Starting amount, $

Deposit each period, $ (optional)

Payments are made

The rate is a nominal yearly rate split across the periods: 12 periods at 7% is about 0.583% a period, compounded each time. Monthly deposits: 12 periods per year.

Future value

$691,150.47

Effective annual rate 7.229%

Total you put in

$190,000.00

Interest earned

$501,150.47

Starting amount grown

$81,164.97

Deposits grown

$609,985.50

Growth factor

8.116497

Periods

360

After 30 years you would have $691,150.47: $190,000.00 put in and $501,150.47 of interest.

How to use the future value calculator

Enter the starting amount you have now (leave it empty if you start from zero).
Enter the growth rate as a percent a year, and the number of years.
Enter how many periods make a year: 12 if interest is added monthly and you deposit monthly.
Enter the deposit you add each period, and whether it comes at the end or at the start of the period.
Read the future value, the total you put in and the interest earned.

Future value formula

The yearly rate is split evenly across the periods: the rate per period is the yearly rate divided by the periods per year.

Rate per period r = yearly rate / periods per year
Periods n = years x periods per year
FV of the starting amount = PV x (1 + r)^n
FV of the deposits = PMT x ((1 + r)^n - 1) / r
Deposits at the start: multiply the deposits part by (1 + r)
Interest earned = FV - PV - PMT x n

Worked example: $10,000 and $500 a month for 30 years

You start with $10,000, add $500 at the end of every month and earn 7% a year, compounded monthly:

r = 7% / 12 = 0.58333% a month, n = 360
(1 + r)^360 = 8.1164975
Starting amount grown = 10,000 x 8.1164975 = $81,164.97
Deposits grown = 500 x (8.1164975 - 1) / 0.0058333 = $609,985.50
Future value = $691,150.47
You put in 10,000 + 500 x 360 = $190,000, so interest is $501,150.47

Most of the end result is interest, and most of that comes in the last decade: that is the effect of compounding.

Where to go next

Want the reverse? The Present Value Calculator discounts a future amount back to today. Already know the start and end values? The CAGR Calculator finds the rate that connects them.

Planning a leveraged trade? Check position size, liquidation distance and funding cost before you open it:

Run Pre-Trade Risk Check

Use via API or MCP

The same calculation is available as the MCP tool workflow.run_future_value: a script or an AI agent gets the exact number with the formula published, instead of a model doing the arithmetic in its head.

Get API key View API docs

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FAQ

Q.01

What is future value?

It is what money you have now, plus any regular deposits, grows to after a number of periods at a given rate, with interest earning interest. It is the mirror of present value.

Q.02

What is the future value formula?

For a single amount: FV = PV x (1 + r)^n, where r is the rate per period and n the number of periods. For regular deposits add PMT x ((1 + r)^n - 1) / r. A deposit at the start of each period earns one more period of interest, which multiplies that part by (1 + r).

Q.03

How does compounding frequency change the result?

The yearly rate is split across the periods, so more periods a year means interest is added more often and the result is slightly higher. 7% compounded monthly is an effective 7.23% a year. The page shows the effective annual rate.

Q.04

Is this a compound interest calculator?

Yes. Leave the deposit empty for plain compound growth of one amount, or add a regular deposit to see the effect of saving every month.

Q.05

Does it include taxes, fees or inflation?

No. The result is before taxes and fees, in nominal money. To see it in today buying power, use the real rate (your rate minus inflation, roughly) as the growth rate.

Q.06

Can the rate be negative?

Yes. A negative rate shrinks the starting amount, and a deposit still adds to it. The rate per period (yearly rate divided by periods per year) must stay above -100%, so -100% a year works only with two or more periods a year. The upper limit is 10,000% a year.