Calculator Future Value
Future value shows investment growth potential. Calculate compound returns for retirement planning and long-term investing.
How the Calculator Future Value works
Enter initial investment, contributions, return rate, and time horizon. Calculate future value with compound interest, showing growth visualization and inflation-adjusted values.
Compound interest builds wealth. This calculator demonstrates growth power, motivating consistent investing and proper retirement planning.
How it works
Tutorial
Future value calculations demonstrate compound interest’s power, motivating consistent investing and proper retirement planning. Understanding how money grows over time helps set realistic savings goals and investment strategies for long-term wealth building.
You have two options: use the calculator above for instant future value projections, or follow this guide to manually calculate investment growth.
The Formula
| Calculation Type | Formula |
|---|---|
| Lump Sum FV | FV = PV × (1 + r)^n |
| Regular Contributions | FV = PMT × [((1 + r)^n – 1) ÷ r] |
| Combined | Lump Sum FV + Contributions FV |
Step-by-Step Calculation
Here’s a complete future value analysis with contributions.
Step 1: Calculate Lump Sum Future Value
Determine growth of initial investment:
| Component | Value |
|---|---|
| Present Value (Initial Investment) | $10,000 |
| Annual Return Rate | 8% |
| Time Period | 20 years |
| Future Value | $46,610 |
Calculation: $10,000 × (1.08)^20 = $46,610
Step 2: Calculate Regular Contributions Future Value
Add value of monthly investments:
| Component | Value |
|---|---|
| Monthly Contribution | $500 |
| Annual Return Rate | 8% |
| Monthly Rate | 0.667% |
| Total Periods | 240 months |
| Contributions Future Value | $294,510 |
Calculation: $500 × [((1.00667)^240 – 1) ÷ 0.00667] = $294,510
Step 3: Calculate Total Future Value
Combine both components:
| Component | Amount |
|---|---|
| Lump Sum Growth | $46,610 |
| Contributions Growth | $294,510 |
| Total Future Value | $341,120 |
| Total Invested | $130,000 |
| Investment Gains | $211,120 |
Final Answer: $130,000 invested grows to $341,120 in 20 years
What This Means
Starting with $10,000 and adding $500/month creates $341,120 after 20 years at 8% returns. Your $130,000 total investment more than doubled through compound interest—demonstrating why consistent, long-term investing builds wealth.
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