About the Future Value Calculator
Future value tells you what an amount invested today will be worth later, given a growth rate and time. It's the foundation of compound-growth math and a quick way to see how time turns a lump sum into a much larger figure.
How it’s calculated
Future value = present amount × (1 + rate ÷ m)^(m × years), where m is the number of compounding periods per year.
Example calculation
$10,000 growing at 7%, compounded monthly for 20 years, becomes about $40,400.
Frequently asked questions
What's the difference from present value?
Future value grows a today-amount forward; present value discounts a future amount back to today. They're inverses of the same formula.
Does compounding frequency matter?
A little — more frequent compounding produces slightly more growth for the same annual rate. The difference is small but real over long horizons.
Projections are illustrative and assume a constant rate of return; real investments fluctuate and may lose value. Past performance does not guarantee future results. This is not investment advice.