Future Value (FV) Calculator
Calculate the Future Value (FV) of a cash lump sum or regular stream of cash flows based on discount rate and time horizon.
What this calculator does
The Future Value (FV) Calculator estimates your result instantly from the values you enter, using standard investing & wealth formulas. Calculate the Future Value (FV) of a cash lump sum or regular stream of cash flows based on discount rate and time horizon. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.
About Future Value (FV) Calculator
The Future Value (FV) Calculator calculates the future worth of present cash flows using standard Time Value of Money (TVM) formulas, accounting for interest rates and compounding intervals.
Formula & Mathematical Calculation
FV = PV × ( 1 + r )^n + PMT × [ (( 1 + r )^n - 1) / r ]
Calculation Example
$50,000 Present Value @ 7.5% for 15 Years: FV = $50,000 × (1.075)^15 = $147,944.38.
Key Benefits
- Calculates Future Value for single lump sums and regular cash flow annuities
- Applies fundamental Time Value of Money (TVM) principles
- Essential for investment valuation, retirement projections, and business planning
- Generates growth curves and annual schedules
- Mathematically verified finance tool
How to Use this Calculator
-
Enter Present Value (PV)
Input starting principal amount. -
Enter Periodic Contribution (PMT)
Input recurring deposit amount. -
Specify Rate & Number of Periods
Enter rate per period and total compounding periods. -
Calculate Future Value
Click Calculate to view future lump sum value.
Assumptions & Limitations
What the calculation assumes
- Every value you enter is treated as an exact, known amount.
- Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
- Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
- Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
- Amounts are unit-agnostic: results are returned in the same currency you enter.
What it does not cover
- Future Value (FV) Calculator produces estimates for education and planning, not a quote, offer or professional advice.
- Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
- Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
- Figures are only as accurate as the inputs you supply — check them before acting on the result.
- For decisions with lasting financial impact, confirm the numbers with a qualified professional.
Frequently Asked Questions
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