Calculator Future Value
See how your investments will grow over time with compound interest. Plan for retirement or any long-term financial goal.
How the Calculator Future Value works
Enter your starting amount, how much you’ll add monthly, expected return rate, and number of years. See your ending balance and total growth.
Compound interest turns small regular investments into significant wealth over time. See the exact numbers to stay motivated and on track.
How it works
Tutorial
Future value calculations show you how much your money will grow over time with compound interest. Seeing the actual numbers helps you set realistic retirement goals and stay motivated to keep investing consistently.
You have two options: use the calculator above for instant projections, or follow this guide to calculate investment growth yourself.
The Growth Formulas
| Type of Investment | Formula |
|---|---|
| One-time investment | Future Value = Starting Amount × (1 + rate)^years |
| Monthly contributions | Future Value = Monthly Amount × [((1 + rate)^months – 1) ÷ rate] |
| Both combined | Add both future values together |
Real Investment Growth Example
Here’s how starting amount plus monthly investing builds wealth.
Part 1: Starting Amount Growth
See how your initial investment grows:
| Component | Value |
|---|---|
| Starting Investment | $10,000 |
| Annual Return Rate | 8% |
| Time Period | 20 years |
| Future Value | $46,610 |
Calculation:$10,000 × (1.08)^20 =$46,610
What it means:Your $10,000 grows to $46,610 in 20 years
Part 2: Monthly Contribution Growth
See how regular monthly investing adds up:
| Component | Value |
|---|---|
| Monthly Contribution | $500 |
| Annual Return Rate | 8% |
| Monthly Rate | 0.667% (8% ÷ 12) |
| Total Months | 240 (20 years) |
| Future Value | $294,510 |
Calculation:$500 × [((1.00667)^240 – 1) ÷ 0.00667] =$294,510
What it means:Your monthly $500 grows to $294,510
Part 3: Total Future Value
Combine both parts for total growth:
| Component | Amount |
|---|---|
| Starting $10,000 grows to | $46,610 |
| Monthly $500 grows to | $294,510 |
| Total Future Value | $341,120 |
| Total You Invested | $130,000 |
| Growth from Interest | $211,120 |
Final Answer:Your $130,000 invested becomes$341,120in 20 years
The Power of Consistent Investing
You invested $130,000 total ($10,000 initially plus $500/month for 20 years), but compound interest added $211,120 on top of that. The money you invested earned money, and then that earned money earned even more money. This is why starting early and investing consistently matters so much for retirement planning.
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