Future Value Calculator
Calculate the future value of an investment or savings plan from contributions, interest rate and time, free in your browser.
Enter Values
Before you rely on this: First-pass guide only. Verify safety-critical or regulated work against the relevant standards, your project requirements and a qualified professional.
How to use this calculator
- Enter the present value, rate and years.
- Press Calculate.
How it works
Future value = present value × (1 + rate)^years — what a lump sum grows to with compound growth.
Worked example
$1,000 at 10% for 2 years. = 1,000 × 1.1² = $1,210.
Common mistakes
- Entering the rate as a decimal (0.05) instead of a percent (5).
- Forgetting this is a single lump sum — it doesn't include regular contributions.
Frequently asked questions
What is future value?
The value a sum of money today will grow to at a given interest rate over time, with compounding.
How is it different from present value?
Future value grows a present amount forward; present value discounts a future amount back to today.
How is future value different from compound interest?
It's the same maths — future value is what a lump sum grows to under compound interest over the given period.
Related tools
- Present Value Calculator
- Compound Interest Calculator
- Savings Goal Calculator
- CAGR Calculator
- Inflation Calculator
- Rule of 72 Calculator
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Cite this tool
Zerdly. (2026). Future Value Calculator. Retrieved from https://www.zerdly.com/tools/future-value-calculator/
Tip: Enter any known values to calculate the remaining results.
All calculations run in your browser. Your inputs are never saved or transmitted.