Future Value Calculator
Calculate future value from present value, interest or return rate, time, regular contribution, and compounding frequency.
Future value$207,489
Total contributions$115,000
Interest/growth earned$92,489
| Formula | Compounded present value plus regular contributions |
|---|
| Year | Balance | Contributions | Growth |
|---|---|---|---|
| 1 | $32,741 | $31,000 | $1,741 |
| 2 | $40,959 | $37,000 | $3,959 |
| 3 | $49,683 | $43,000 | $6,683 |
| 4 | $58,946 | $49,000 | $9,946 |
| 5 | $68,781 | $55,000 | $13,781 |
| 6 | $79,222 | $61,000 | $18,222 |
| 7 | $90,306 | $67,000 | $23,306 |
| 8 | $102,075 | $73,000 | $29,075 |
| 9 | $114,569 | $79,000 | $35,569 |
| 10 | $127,834 | $85,000 | $42,834 |
Assumptions
- Regular contributions are modeled monthly.
How this calculator works
Formula used
Future value compounds the present value and adds the future value of regular contributions.
Example calculation
$25,000 plus $500 monthly at 6% for 15 years estimates the future balance and total growth earned.
Future Value Calculator FAQ
Are these retirement and investment calculators financial advice?
No. They are educational planning tools for U.S. users and do not replace advice from a qualified financial, tax, legal, or investment professional.
Why can actual investment results be different?
Actual results can differ because market returns vary, taxes change, fees apply, inflation shifts, and account rules may limit contributions or withdrawals.