Calculate how much a lump sum invested today will grow to in the future, based on interest rate and compounding frequency.
The Future Value Calculator shows what a present sum of money will be worth after a given number of years, once compound interest is applied.
It is a core tool for financial planning — use it to project the growth of savings, investments, or any lump sum left to compound over time.
FV = PV × (1 + r/n)^(n×t), where PV is present value, r is the annual rate, n is compounds per year, and t is the number of years.
$5,000 invested at 6% annual interest, compounded monthly, for 10 years grows to roughly $9,097 — an interest gain of about $4,097.
FV = PV × (1 + r)^n for a lump sum, or using an annuity formula if you're adding regular contributions, where r is the interest rate per period and n is the number of periods.
Future value projects what a sum of money will grow to over time; present value works backward to show what a future sum is worth in today's dollars.
Because of compounding, even small differences in the assumed rate lead to significantly different projected outcomes over long time horizons.