Future Value Calculator
Calculate the future value of an investment with periodic contributions and compound growth.
By Konstantin Iakovlev · Updated September 2026 · Source: SEC
Future Value
$299.2K
Total Contributions
$130.0K
Interest Earned
$169.2K
Future Value Breakdown
| Initial Investment | $10,000.00 |
| Monthly Contributions (20 years) | $120,000.00 |
| Total Contributions | $130,000.00 |
| Growth from Initial (at 7%) | $28.7K |
| Growth from Contributions | $140.5K |
| Total Interest Earned | $169.2K |
| Future Value | $299.2K |
Growth Milestones
| Year 5 | $49.8K |
| Year 10 | $106.2K |
| Year 15 | $186.1K |
| Year 20 | $299.2K |
Use the Future Value Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Projecting where your savings could land takes both the contributions you keep adding and the compounding that builds on top of them. This tool models that growth so you can see what your balance might reach over the years you choose, which makes planning for a goal like retirement or a house down payment far more tangible than guessing.
Two pieces drive the result. The engine applies the future value of an annuity formula to your stream of periodic contributions, compounding each one over however much of the term remains after it goes in, then layers on the separately compounded future value of any lump sum you started with. Adding those together yields the projected total.
Two things are worth flagging. The figure it returns is nominal, so it does not strip out inflation, and the real spending power of that balance will be lower than the headline number suggests. The other point is timing: starting early pays off out of proportion to the amounts involved, because even modest contributions ride longer compounding periods and grow more as a result.
Example: Saving for a Car in 3 Years
- 1 You have $5,000 to invest today, will add $200 at the end of each month, and expect a 7% annual return. Enter $5,000, 7%, 3 years and $200 a month.
- 2 Initial investment: the calculator compounds it once a year, $5,000 × 1.07^3 = $6,125.22.
- 3 Contributions: 36 deposits of $200 compounding monthly at 7% / 12, $200 × [(1 + 0.07/12)^36 − 1] / (0.07/12) = $7,986.02.
- 4 Future value: $6,125.22 + $7,986.02 = $14,111.24, shown as $14.1K. You put in $12,200, so $1,911.24 is growth. Actual returns vary; the projection assumes 7% every year.
Source: SEC · Last updated: September 2026
Frequently Asked Questions
How much will my savings be worth in 20 years?
What rate of return should I assume?
How does compound interest work?
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