Scenario 1
Lump sum growth
$20,000 invested at 6% for 15 years → $47,931. No contributions needed.
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Future Value Calculator
Know what your money is worth tomorrow — so you can make smarter decisions today.
Adjust your inputs
Results update instantly as you type or drag.
0 – 10,000,000
$
0.1 – 30
%
0 – 500,000
$
Regular payment added each year (optional)
1 – 50
Quick insights
Total growth
$27,931
Total invested
$20,000
Quick answer
How do you calculate future value?
FV = PV × (1 + r)^n, where PV is present value, r is the rate per period, and n is the number of periods.
How it works
From inputs to result in four steps
A quick walkthrough of what this calculator does behind the scenes.
- 1
Enter the present value (amount today).
- 2
Set the annual growth or interest rate.
- 3
Add a regular payment if applicable.
- 4
Set the number of years.
Formula
The math behind the number
No black box — here's exactly how the result is computed.
Formula
FV (lump sum) = PV × (1 + r)^n
FV (with payments) = PV×(1+r)^n + PMT×((1+r)^n − 1)/r
PV = present value, r = annual rate, n = years, PMT = annual paymentExamples
Real-world scenarios
See how the numbers play out for typical use cases.
Scenario 2
With annual payments
$5,000 today + $2,000/year at 5% for 10 years → $33,878.
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