Future Value Calculator
This future value calculator shows what a sum of money today will be worth later. Enter a present amount, any regular deposits, a rate of return and a time horizon to see exactly what it grows to.
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| Period | Added | Interest | Balance |
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Formula: standard compound-interest math. Figures are estimates, not financial advice.
What future value means (with a worked example)
Future value is what a sum of money today will be worth later, given a rate of return. It’s the core of every investment decision — a dollar invested today is worth more than a dollar tomorrow, because today’s dollar can be put to work earning returns.
Worked example. Invest $10,000 today at a 6% average annual return, with no further deposits, for 20 years. Its future value is about $33,100 — the original $10,000 has more than tripled, and roughly $23,100 of that is pure growth. Two levers drive the result: the rate of return and, even more powerfully, time. The same $10,000 at 8% for 30 years reaches about $109,000.
The table below shows the future value of a single $10,000 lump sum (no extra deposits) at different rates and time horizons.
| Annual return | After 10 yrs | After 20 yrs | After 30 yrs |
|---|---|---|---|
| 4% | $14,900 | $22,200 | $33,100 |
| 6% | $18,200 | $33,100 | $60,200 |
| 8% | $22,200 | $49,300 | $109,400 |
Estimated future value of a $10,000 lump sum, compounded monthly. Returns vary and are not guaranteed.