How is future value calculated?

Future value combines the growth of a lump sum plus the compounded growth of recurring contributions: FV = PV×(1+r)^n + PMT×((1+r)^n−1)/r

Future Value Calculator

Estimate future portfolio value from contributions and return assumptions.

This tool runs in your browser. None of your data is saved or sold.

Starting amount ($)

Annual return (%)

Years (years)

Compounds per year (years)

Contribution each period

Inflation rate (%)

About This Calculator

Future value answers the fundamental investing question: what will my money be worth later? Enter a starting amount, expected annual return, time horizon, and any regular contributions to project your portfolio's future value. This is the foundation of every retirement and financial independence calculation.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

FV = PV(1+r/n)^(nt) + C×((1+r/n)^(nt)−1)/(r/n); real FV = FV ÷ (1+inflation)^years