Future Value Calculator

The future value calculator can be used to calculate the future value (FV) of an investment with given inputs of compounding periods (N), interest/yield rate (I/Y), starting amount, and periodic deposit/annuity payment per period (PMT).

Number of Periods (N)

Total compounding periods (e.g., months or years). Must be ≥ 0.

Starting Amount (PV)

Present value (initial balance) at time 0. Can be 0 if you start from scratch.

Interest Rate (I/Y)

Percentage rate per period (not annualized unless your period is 1 year). Example: enter 0.5 for 0.5%.

Periodic Deposit (PMT)

Fixed deposit made each period. Use a positive number for contributions.

PMT made at

Choose when each deposit occurs. “Begin” (annuity due) compounds an extra period.

Decimal places

Controls rounding of shown numbers. Calculations use full precision.

Result

Future Value:

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PV (Present Value):

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Total Periodic Deposits:

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Total Interest:

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