Savings & Investing

Future Value Calculator

Project the future value of a current balance and recurring deposits over a selected number of periods. Compare beginning- and end-of-period payment timing and inspect how deposits and interest build the ending balance.

Present Value (PV)

Interest Rate (I)

Periods (N)

Periodic Deposit (PMT)

per period

Periodic Payment at the

There was an error with your calculation.

Future Value

Future Value (FV): $39,869.90

Present Value (PV): $12,431.62

Number of Periods (N): 20

Interest Rate (I/Y): 6

Periodic Deposit (PMT): $200.00

Starting Amount: $10,000.00

Total Periodic Deposits: $4,000.00

Total Interest: $25,869.90

Starting amount

Periodic deposits

Interest

#	BEGINNING BALANCE	DEPOSIT	INTEREST	ENDING BALANCE
1	$10,200.00	$200.00	$612.00	$10,812.00
2	$11,012.00	$200.00	$660.72	$11,672.72
3	$11,872.72	$200.00	$712.36	$12,585.08
4	$12,785.08	$200.00	$767.10	$13,552.19
5	$13,752.19	$200.00	$825.13	$14,577.32
6	$14,777.32	$200.00	$886.64	$15,663.96
7	$15,863.96	$200.00	$951.84	$16,815.80
8	$17,015.80	$200.00	$1,020.95	$18,036.74
9	$18,236.74	$200.00	$1,094.20	$19,330.95
10	$19,530.95	$200.00	$1,171.86	$20,702.81
11	$20,902.81	$200.00	$1,254.17	$22,156.97
12	$22,356.97	$200.00	$1,341.42	$23,698.39
13	$23,898.39	$200.00	$1,433.90	$25,332.30
14	$25,532.30	$200.00	$1,531.94	$27,064.23
15	$27,264.23	$200.00	$1,635.85	$28,900.09
16	$29,100.09	$200.00	$1,746.01	$30,846.09
17	$31,046.09	$200.00	$1,862.77	$32,908.86
18	$33,108.86	$200.00	$1,986.53	$35,095.39
19	$35,295.39	$200.00	$2,117.72	$37,413.11
20	$37,613.11	$200.00	$2,256.79	$39,869.90

Input parameters

Present Value (PV): Current lump-sum amount.
Interest Rate (I): Rate earned each period.
Periods (N): Number of growth periods.
Periodic Deposit (PMT): Recurring contribution each period.
Periodic Payment at the: Beginning or end timing of each contribution.

Understanding the results

Future value: Projected ending value of the lump sum and deposits.
Total deposits: Principal contributed over all periods.
Interest earned: Future value above deposits.
Amortization table: Period-by-period account growth.

Calculation principle

The current amount compounds for all periods and recurring deposits accumulate as an annuity.

Read and validate the entered values.
Convert percentages and time periods into compatible units.
Apply the formulas below and present the calculated results.

Formulas

Future value FV = PV(1 + r)^n + PMT × ((1 + r)^n − 1) / r

Beginning deposits Deposit FV is multiplied by (1 + r)

Symbols refer to the corresponding input and result labels shown above.

How to use this calculator

Enter your figures, choose any available options, and select Calculate. You can change the inputs as often as you like to compare scenarios.

Planning note

Results are estimates for education and planning. Taxes, lender rules, fees, and investment returns can vary, so verify important decisions with a qualified professional.