Future Value Calculator
Grow a deposit plus regular contributions over time
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Future value—
Total contributions—
Total interest earned—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- $10,000 deposit, $500/mo, 7%, 20 years, monthly compounding → Future value ≈ $300,850.72 (contributions $130,000; interest $170,850.72)
- $20k start + $500/mo, 6%, 20 yr, monthly → Future value ≈ $297,224.54 (interest earned ≈ $157,224.54)
Formula
FV = PV × (1+r)n + PMT × ((1+r)n − 1) / r, where r = annual rate / periods per year and n = years × periods per year. Contributions here are treated as end-of-period; beginning-of-period deposits grow slightly more.
About Future Value Calculator
Grow a deposit plus regular contributions over time. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
Is this tool free to use? +
Yes, it is completely free with no registration or download required.
Is my data private? +
Yes. Everything is processed locally in your browser. Nothing is uploaded or stored on our servers.
Does it work on mobile? +
Yes, it works on any device — phone, tablet, or desktop.