Future Value Calculator
Project the future value of a lump sum plus optional periodic contributions at a given growth rate.
Future value
$10,272.32
From lump sum
$8,954.24
From contributions
$1,318.08
Total contributed
$6,000.00
Enter a starting amount, optional periodic contribution, growth rate, and number of periods to project how much your money could grow to. It combines lump-sum compounding with an annuity of regular contributions, all computed in your browser.
How to use
- Enter the present (starting) value and currency.
- Enter an optional periodic contribution amount.
- Enter the growth rate and number of periods to see the projected future value.
Frequently asked questions
- How is the future value calculated?
- Lump sum grows to PV × (1+r)^n, and contributions grow using the future value of an annuity formula; the two are added together.
- What if the rate is 0%?
- With no growth, the future value simply equals the present value plus the sum of all contributions.
- Can periods be months instead of years?
- Yes, just make sure the rate you enter matches the period length (e.g. a monthly rate for monthly periods).