Future Value Calculator
See what your money could become if you save regularly. Enter your current amount, monthly deposit, expected annual return and years, and the tool shows the future value, total invested and the growth separately.
Future Value
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Total Invested
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Growth (interest earned)
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How to use
- Enter your lump sum amount today and monthly deposit (enter 0 for whichever does not apply).
- Enter the expected annual return and years.
- Select the compounding frequency.
- See the future value, total invested and growth separately.
Note
Standard time value of money formula. The return rate is an assumption — actual returns change with the market and are not guaranteed.
Tips
- The return rate is an assumption, not a promise — try a lower rate too, so you plan for the conservative case.
- Starting earlier matters more than depositing more; add a year or two and watch the compound growth change.
- This estimate ignores taxes, fees and inflation — subtract inflation mentally to see real purchasing power.
- Use the total-invested figure to check you are comfortable committing that much over the full period.