How important are regular contributions?

Extremely! $500/month at 7% for 30 years = $567,000. The initial amount matters less than consistent contributions over time. Dollar-cost averaging also reduces timing risk.

Should I use nominal or real return?

Use nominal (before inflation) if comparing to future dollar amounts you'll need. Use real (after inflation) returns for today's purchasing power. Subtract ~2-3% for inflation.

What about taxes on investment growth?

Tax-advantaged accounts (401k, IRA) grow tax-deferred. Taxable accounts face capital gains. For accurate projections, reduce expected return by estimated tax drag (typically 0.5-2%).

Finance

Future Value Calculator

Calculate the future value of current investments with compound interest and regular contributions

Calculation Type

Present Value

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Interest Rate (Annual)

Time Period (Years)

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See How Your Money Will Grow

Want to know what your savings will be worth in 10, 20, or 30 years? Future Value calculation shows exactly how compound interest and regular contributions build wealth over time. Our calculator projects your investment growth with detailed year-by-year breakdowns.

What is Future Value?

Future Value (FV) is what an investment will be worth at a future date, accounting for compound interest and additional contributions. $10,000 invested at 7% for 20 years grows to about $38,700. Add monthly contributions and watch the numbers really climb. This is the foundation of retirement planning.

Future Value Formula

FV = PV(1 + r)^n + PMT × [(1 + r)^n - 1] / r

How to Use This Calculator

Future Value Applications

Retirement Planning

Project your nest egg size at retirement to ensure you're saving enough.

College Savings

Calculate how much 529 contributions will grow by the time your child starts college.

Goal Setting

Determine required monthly savings to reach a specific financial goal.

Frequently Asked Questions

Historical stock market average is about 10% nominal, 7% after inflation. For conservative planning, use 5-7%. CDs and bonds might be 2-4%. Always consider risk tolerance.