Future Value Calculator
Calculate the future value of a lump sum plus regular contributions. Free FV calculator showing growth, total contributed and interest earned.
About the Future Value Calculator
Future value tells you what money today, plus any regular additions, will grow to after earning interest for a set time. This free future value calculator combines a lump sum and recurring contributions, compounds them at your chosen rate, and breaks the result into how much you contributed versus how much is growth.
The lump sum grows by FV = PV × (1 + r)ⁿ, and each recurring contribution grows as an annuity: FV = PMT × [(1 + r)ⁿ − 1] ÷ r. Adding the two gives your projected balance. Because compounding accelerates over time, small regular contributions started early can outweigh a large lump sum added late.
Savers planning a goal, investors projecting a SIP or recurring deposit, and students learning the time value of money all use this. Everything computes live in your browser with no signup.
How to Use the Future Value Calculator
- 1Enter your starting lump sum (or 0 if you are starting from scratch).
- 2Enter your regular contribution and how often you add it.
- 3Enter the annual return rate and the number of years.
- 4Read the future value, total contributed and interest earned.
Frequently Asked Questions
How do I calculate the future value of an investment?
For a lump sum, FV = PV × (1 + r)ⁿ. Investing 100,000 at 8% for 10 years gives 100,000 × 1.08¹⁰ = 215,892. Add recurring contributions using the annuity formula, which this calculator combines automatically.
How much difference do regular contributions make?
A lot, thanks to compounding. Adding 5,000 per month for 20 years at 8% grows to about 2.95 million, of which only 1.2 million is contributions — the other 1.75 million is interest. Starting earlier magnifies this effect.
What return rate should I assume?
Use a realistic long-run figure for your investment type: bank deposits are low single digits, while diversified equity funds have historically returned around 10-12% in markets like India and Pakistan in local currency. Lower your assumption to stay conservative.
What is the difference between future value and present value?
Future value grows money forward in time; present value discounts future money back to today. They are inverses: if 100,000 grows to 215,892 in 10 years at 8%, then 215,892 in 10 years is worth 100,000 today at the same rate.