Future Value Calculator
Enter your present value, interest rate, compounding frequency, and time period to see how much your investment grows.
Investment Details
$
%
Optional: Regular Contributions
$
Future Value
$0
Total Contributed
$0
Total Interest
$0
Principal
Interest Earned
50%
50%
Year-by-Year Breakdown
| Year | Balance | Interest This Year | Contributions |
|---|
Fill in the details on the left and click Calculate.
Summary
Enter your present value, interest rate, compounding frequency, and time period to see how much your investment grows.
How it works
- Enter the starting amount (present value) you are investing today.
- Set the annual interest rate as a percentage (e.g. 7 for 7%).
- Choose how often interest compounds each year.
- Enter the number of years the money stays invested.
- Optionally add a regular contribution amount and whether it is paid at the start or end of each period.
- The calculator instantly shows the future value, total interest earned, and a year-by-year growth table.
Use cases
- Estimate how much a retirement account will be worth in 20 or 30 years.
- Compare returns from different savings accounts with different compounding schedules.
- Calculate the impact of adding monthly contributions to an existing investment.
- Demonstrate the power of compound interest for financial education.
- Project college-fund growth to see if current savings are on track.
- Evaluate two investment scenarios side-by-side by running the calculator twice.
Frequently Asked Questions
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Last updated: 2026-05-23 ·
Reviewed by Nham Vu