Future Value Calculator
Ordinary annuity: what a lump sum plus period-end deposits grows to. Click any i for detail.
Cash flows
Starting amount ($)
i
Present value
Balance today. |
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Deposit each period ($)
i
PMT
End-of-period deposit. Use 0 for a lump sum only. |
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Annual rate (%)
i
Rate
Nominal annual rate before dividing by compounding periods. |
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Years
i
Years
Time horizon. |
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Compounds / year
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n
12 = monthly; 4 = quarterly; 1 = annual. |
How to use this calculator
- Enter today’s balance.
- Set the repeating deposit (or 0).
- Pick rate, years, and compounds per year.
- Read future value vs total contributed.
Results explained
FV = PV(1+r)^n + PMT × ((1+r)^n − 1) / r, with r = annual rate ÷ compounds and n = years × compounds. Deposits are ordinary (end of period).
Quick reference: FV
Taxes, fees, and inflation are not subtracted.
| Item | Detail |
|---|---|
| Ordinary annuity | Deposits at period-end |
| Annuity due | Not this page (beginning of period) |
| Present value of a lump | See present value calculator |
| Retirement wrappers | 403(b) / 457 pages layer contribution labels on similar growth |
Discount a future lump: present value calculator.
How the estimate is built
r = rate/n; N = years×n; FV = PV(1+r)^N + PMT × ((1+r)^N − 1)/r (or PV + PMT×N if r = 0).
Example scenario
$10,000 start + $250 monthly at 6% for 20 years grows to a mid-six-figure future value on this ordinary-annuity sketch.
FAQ
Beginning-of-period deposits?
Not modeled — this is ordinary annuity math.
Inflation?
Enter a real rate if you want today’s dollars.
Cost basis instead?
See the cost basis calculator for shares, not compounding.