Future Value Calculator

Calculate present value, future value, annuities, and required payments to reach your financial goals

Understanding Time Value of Money

The time value of money is a fundamental financial concept: a dollar today is worth more than a dollar tomorrow because of its earning potential. These calculators help you understand how money grows over time through compound interest, and how to plan for future financial goals.

Guided Mode

Not sure which calculator to use? Answer these questions:

Do you have a lump sum today? → Use Single Amount (FV)
Do you need to know what to invest today for a future goal? → Use Single Amount (PV)
Are you making regular monthly contributions? → Use Annuity Future Value
Do you have a specific goal and want to know monthly payments? → Use Target Future Value

Single Amount (Present Value ⇄ Future Value)

Calculate what a lump sum will be worth in the future, or what you need to invest today to reach a future goal.

Calculate:

Amount ($) Starting amount today

Annual Interest Rate (%) Expected annual return

Number of Years Time horizon

Target Future Value (Required Monthly Payment)

Calculate how much you need to save each month to reach a specific financial goal.

Annuity Future Value

Calculate how much regular monthly contributions will grow to over time.

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