Online Future Value Calculator
Future Value Calculator projects what a starting amount plus periodic deposits grows to, with total interest, present value, and a full schedule.
Future Value ($): 39,869.90
PV (Present Value) ($) 12,431.62
N (Number of Periods) 20
I/Y (Interest Rate) 6%
PMT (Periodic Deposit) ($): 200.00
Starting Amount ($): 10,000.00
Total Periodic Deposits ($): 4,000.00
Total Interest ($): 25,869.90
| № | BEGINNING BALANCE ($) | Interest | Principal ($) | ENDING BALANCE ($) |
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What Is This Tool?
The Future Value Calculator shows what a sum of money will be worth later. Enter a starting amount, an interest rate, the number of periods, and an optional periodic deposit, then choose whether deposits land at the beginning or end of each period. It returns the future value, the equivalent present value, the total deposited and interest earned, a breakdown chart, and a period-by-period schedule. The result can be downloaded as a PDF.
How to Use This Tool?
- Enter the starting amount and interest rate.
- Set the number of periods and any periodic deposit.
- Choose beginning or end of period for deposits.
- Click Calculate to see the future value and schedule.
Key Features
- Projects the future value of a starting amount plus deposits.
- Splits the total into starting amount, deposits, and interest.
- Shows the equivalent present value.
- Lets deposits fall at the beginning or end of each period.
- Provides a full schedule and chart with PDF download.
Examples
- $10,000 plus $200 a period at 6% for 20 periods grows to $39,869.90.
- That future value is worth $12,431.62 in present-value terms.
- The deposits total $4,000.00 over the term.
- And the interest earned comes to $25,869.90.
Common Use Cases
- Projecting the growth of savings over time.
- Seeing how regular deposits boost the final balance.
- Comparing beginning versus end-of-period deposits.
- Estimating the interest portion of a future balance.
- Finding the present value of a future target.
Tips & Best Practices
- Match the rate's period to your number of periods.
- Choose beginning-of-period deposits to earn slightly more interest.
- Use a realistic rate rather than a best-case figure.
- Add a periodic deposit to see the effect of regular saving.
- Compare scenarios by changing one input at a time.
Limitations
- It assumes a constant rate and equal deposits each period.
- Taxes, fees, and inflation are not included.
- Returns are modeled smoothly, not with real market swings.
- Nothing is saved between sessions — only the current result can be exported as a PDF.
Frequently Asked Questions
- What is future value?
- The value an amount of money will grow to over time after earning interest, including any deposits made.
- How is present value related?
- Present value is the future amount discounted back to today using the same rate and number of periods.
- Does deposit timing matter?
- Yes — deposits at the beginning of a period earn interest for that period, so they grow slightly more.
- Can I leave the deposit blank?
- Yes — with no deposit it simply grows the starting amount by interest each period.
Key Terminology
- Future value
- The value of money at a later date after earning interest.
- Present value
- The current worth of a future amount, discounted by the rate.
- Periodic deposit
- An amount added each period on top of the starting balance.
- Starting amount
- The initial balance before interest and deposits.
- Total interest
- The interest earned over all periods.