Future Value Calculator
Calculate future value with periodic contributions.
Project a starting amount and regular deposits at a periodic rate.
Result
How to use this calculator
Project a starting amount and regular deposits at a periodic rate. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.
Calculation formula
FV = PV × (1+r)^N + PMT × ((1+r)^N−1)/r.
Assumptions and accuracy
Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.
Choose what to calculate
Future value calculator with periodic payments
Estimate future value from a starting amount, recurring payments and compounding assumptions. Beginning-of-period and end-of-period payments produce different balances.
Open this calculationUnderstanding this calculation
Project a current balance and recurring payments to a future period. Beginning- and end-of-period contribution timing use different accumulation factors.
Worked examples
Future value over two periods
Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.
- 1,000 × (1 + 10%)² = 1,210. Rate and period must use the same time unit.
Future value: 1,210 USD.
Try these inputsCommon questions
How do I calculate future value with regular deposits?
Enter the starting balance, payment per period, matching periodic rate and number of periods; then select payment timing.
Why does beginning-of-period timing give a different result?
Each deposit is invested one period earlier and can earn an additional period's growth.
Scope and assumptions
This is a constant-rate cash-flow illustration. Periods are not automatically years unless the entered rate and payments are annual.
Sources
- Calculation methodology, rule versions and testing limitations
- Reference calculator for feature comparison (not a model-parity certification)
Calculation notes checked . Examples are mathematical checks under the stated assumptions.
Calculation methods and formulas
Future Value
Project a starting amount and regular deposits at a periodic rate.
FV = PV × (1+r)^N + PMT × ((1+r)^N−1)/r.
See our calculation methodology and review status for data versions, rounding and validation limitations.