Compound Interest Calculator
See how an investment grows with compounding and monthly contributions.
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Future Value Calculator
What a lump sum and regular contributions grow to.
Future Value Calculator tool
Optional. Shows the result in today's money.
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Future value
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You put in
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Growth adds
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In today's money
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Money multiple
Year by year
| Year | Paid in so far | Growth so far | Balance |
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About the Future Value Calculator
Future Value Calculator works out what money becomes: a lump sum left to grow, a regular contribution paid in, or the two together. It is the arithmetic behind every savings projection, and separating what you paid in from what growth added is the part worth looking at, because over long periods the second overtakes the first.
Contribution timing is handled because it matters more than it looks. Paying at the start of each period rather than the end gives every contribution one extra period of growth, which over thirty years is a difference worth having. The checkbox switches between the two conventions, called an annuity due and an ordinary annuity.
The real-value readout is the one to pay attention to on any projection longer than about ten years. A million in forty years is not a million: at three per cent inflation it buys roughly what 300,000 buys now. Entering an inflation rate shows the result in today's money, which is the only version that means anything you can picture.
This is arithmetic, not financial advice. It tells you what the numbers do; it cannot tell you whether a decision is right for your circumstances. Fees, taxes and local rules vary, so check anything that matters against the actual offer and speak to someone qualified before committing.
Everything is worked out inside your browser. Nothing you enter is uploaded, logged or stored, which matters for the financial calculators in particular: the figures you put into them are nobody else's business.
Looking for something this does not cover? FreeToolsHub.org is another hub of free online tools that need no account, and it is worth a look if future value calculator is only part of what you are working on.
How to use the Future Value Calculator
- Choose addedThe fields below change to match what you pick, so only the figures that matter to your case are asked for.
- Enter starting amount, added each period and return (% a year)Decimals are fine, and thousands separators are accepted and ignored.
- Read the future value, you put in and growth addsThe figures update as you type. The Calculate button is there if you would rather press something, but nothing waits for it.
- Copy or check the resultCopy the summary with the copy button, or open the table to check it row by row.
Features
- Shows future value, you put in, growth adds, in today's money and money multiple together, so you are not running it twice
- Full year by year you can open and check
- Updates as you type, with no button to press and no page reload
- Copy the result in one click
- Free, no sign-up, and it runs entirely in your browser
Who uses this tool
The future value calculator is used by writers, developers, students, marketers and anyone else who needs the job done once without installing software. Common cases include:
- Projecting what a pension contribution grows to
- Comparing a lump sum now against monthly saving
- Seeing what the same plan is worth after inflation
- Checking a growth figure an adviser or app has quoted
Frequently asked questions
What rate of return should I use?
Something you can justify over the whole period, not last year's. Projections are very sensitive to it, so it is worth running a pessimistic figure as well as a hopeful one.
Start or end of period?
End is the usual convention and the default. Choose start if you pay in on the first of the month, which earns one extra period of growth on every contribution.
Does it account for tax or charges?
No. Reduce the rate of return by the annual charge to approximate them. Tax depends on the account and the country and is not guessed at here.
Related tools
If the future value calculator is not quite what you need, these other free tools solve closely related problems, and there are 38 more in finance calculators.
Present Value Calculator
Discount future money back to its value today.
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Monthly SIP growth, with a yearly step-up option.
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Retirement Calculator
Project a retirement pot and the income it would pay.
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Inflation Calculator
What a sum is worth after inflation, and what you would need to match it.
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Checked and rebuilt on 2026-10-14. The method this calculator uses is described in the section above, and corrections go through the contact page.