Future Value Calculator
See what a single amount grows to over time with compound interest, the foundation of the time value of money.
- Free
- No sign-up
Enter a present value, rate and time to see the future value.
Worked example
With these example inputs:
- Present value$10,000
- Annual interest rate7%
- Years20 yr
Future value: $40,387
- Starting amount$10,000
- Total contributions$0.00
- Total interest$30,387
- Total growth303.9%
Frequently asked questions
What is future value?
Future value is what an amount today will be worth later once interest compounds. It answers: if I invest this now at this rate, what will it be worth in N years?
How does compounding frequency matter?
More frequent compounding grows the balance a little faster. This calculator compounds monthly, a common default for savings and investment estimates.
What is the difference between future and present value?
Future value is what a sum grows to, while present value is what a future sum is worth today.
What affects future value the most?
The rate of return and the time invested have the biggest impact, thanks to compounding.
Does this include inflation?
No. It shows the nominal amount, so adjust for inflation to see the real buying power.