Future Value Calculator Monthly
Build wealth with regular monthly investments. See how consistent contributions grow into substantial savings over time.
How the Future Value Calculator Monthly works
Enter your starting amount, monthly contribution, expected return rate, and time period. Watch how regular investing builds wealth through compound growth.
Consistent monthly investing beats trying to time the market. See exactly how your regular contributions grow into significant wealth.
How it works
Tutorial
Regular monthly investing is the most reliable way to build wealth. While investing $300 every month might not seem like much, consistency over time creates extraordinary results through compound growth. The key advantage: automatic monthly transfers make it easy to stick with your plan, and you naturally buy more shares when prices are low and fewer when prices are high.
Use this calculator to plan retirement savings, down payment funds, or long-term investments. See exactly what your monthly contributions will become, compare different contribution amounts, and find out how much you need to invest monthly to reach your goals.
The Basic Formula
| Component | Formula | Explanation |
|---|---|---|
| Future Value | FV = PV(1 + r)^n + PMT × [((1 + r)^n – 1) / r] | Starting balance + monthly contributions |
| Monthly Rate | r = Annual Rate / 12 | Convert yearly to monthly rate |
| Total Periods | n = Years × 12 | Total months investing |
Step-by-Step Example
Scenario:$5,000 starting balance, $400 monthly contributions, 8% annual return, 15 years
Step 1: Convert to Monthly Terms
| Input | Value | Calculation |
|---|---|---|
| Annual Return | 8% | 0.08 |
| Monthly Rate (r) | 8% / 12 | 0.00667 |
| Time Period | 15 years | Given |
| Total Periods (n) | 15 × 12 | 180 months |
Step 2: Calculate Starting Balance Growth
| Component | Calculation | Result |
|---|---|---|
| Starting Balance | Initial amount | $5,000 |
| Growth Factor | (1.00667)^180 | 3.307 |
| Starting Balance Grows To | $5,000 × 3.307 | $16,535 |
Step 3: Calculate Monthly Contributions Growth
| Component | Calculation | Result |
|---|---|---|
| Monthly Contribution | Regular investment | $400 |
| Growth Factor – 1 | 3.307 – 1 | 2.307 |
| Annuity Factor | 2.307 / 0.00667 | 346.03 |
| Contributions Grow To | $400 × 346.03 | $138,412 |
| Total You Invested | $400 × 180 months | $72,000 |
| Growth on Contributions | $138,412 – $72,000 | $66,412 |
Step 4: Total Results
| Component | Amount | Percentage |
|---|---|---|
| Starting Balance Growth | $16,535 | 10.7% |
| Monthly Contributions Growth | $138,412 | 89.3% |
| Total Future Value | $154,947 | 100% |
| Total You Invested | $77,000 | Your money |
| Total Growth | $77,947 | Investment returns |
What This Means
By investing $400 monthly for 15 years with a $5,000 start, you’ll have $154,947. You put in $77,000 of your own money, so $77,947 (just over half) comes from investment growth. Notice that 89% of your final amount comes from the monthly contributions, not the starting balance. This proves that consistent monthly investing matters far more than starting with a large amount.
The earlier contributions have more time to grow, which is why they create so much value. Your first year’s $4,800 grows for 14 years, while your last year’s $4,800 grows for just 1 year. If you could only afford $300 monthly instead of $400, you’d end up with $116,710-still excellent, but $38,237 less. Every $100 monthly makes a significant difference over time.
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