Future Value Calculator — Free Online
Project the future value of a present amount plus additions made at each compounding date. The worksheet compares funding assumptions without fixing a real financial product’s maturity payout.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
Numbers stay on your device. Nothing is sent to a server.
Added at each compounding period. 0 for a lump sum only.
How to use this tool
Choose present value, annual rate, duration and compounds per year, then an addition per period. Selecting four compounds also applies four contributions annually, so check the yearly contribution total.
Results and examples
With 1000 initially, zero interest and twelve additions of 100 over one year, future value is 2200. That increase comes entirely from deposits, making it important to separate contributions from interest growth.
Limitations
- Fees, taxes, changing rates and investment losses are not represented.
- Payments occur at period end and differ from beginning-of-period products.
Fields
| Field | Guidance and constraints |
|---|---|
| Present value | Accepted range: 0–100000000 · Input step: 100 |
| Annual rate | Accepted range: 0–40 · Input step: 0.1 |
| Years | Accepted range: 0.25–60 · Input step: 0.25 |
| Compounds per year | Annually / Quarterly / Monthly / Daily |
| Payment each period | Added at each compounding period. 0 for a lump sum only. · Accepted range: 0–1000000 · Input step: 10 |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Why can the balance grow at zero interest?
With 1000 initially, zero interest and twelve additions of 100 over one year, future value is 2200. That increase comes entirely from deposits, making it important to separate contributions from interest growth.
Does changing frequency change contributions too?
Fees, taxes, changing rates and investment losses are not represented. Payments occur at period end and differ from beginning-of-period products.
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