Future Value Calculator
FV of a lump sum plus contributions.
Inputs
$
$
%
yrs
Result
Future Value$111,786.55
About the Future Value Calculator
The Future Value Calculator projects what a lump sum today (with optional periodic contributions) will grow to at a given rate and time horizon.
Calculation method
Combines lump-sum future value and future value of a series of contributions.
FV = PV(1+r)^n + PMT × ((1+r)^n − 1)/rHow to use this calculator
- Enter the present amount and any monthly contribution.
- Enter the annual return rate and years.
- See the projected future value.
Example
$15,000 today plus $300/month for 25 years at 6% grows to about $272,000.
Frequently asked questions
Should I use a nominal or real rate?
Nominal for the raw future value; real (nominal minus inflation) for what the money will buy in today's dollars.
Does more frequent contribution help?
Slightly. Contributions made earlier in the compounding period earn more, but the difference over decades is small.
How does risk affect the projection?
The tool assumes a smooth return. Real portfolios have variance — actual outcomes can be well above or below the projection.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for decisions specific to your situation.