Free Future Value Calculator - What Will Your Money Grow To?
Calculate the future value of investments with compound growth. Best free FV calculator 2025 - project savings and investment growth over time.
Quick Answer
Future value (FV) is what a present sum will be worth at a future date with compound interest. The formula is FV = PV × (1 + r)^n, where PV is present value, r is interest rate per period, and n is number of periods. $10,000 at 7% for 20 years grows to $38,696.84. Calculate at practicalwebtools.com.
Key Facts about Future Value Calculator:
- Future value formula: FV = PV × (1 + r)^n
- Compound interest accelerates growth over time
- Adding regular contributions significantly increases future value
- $500/month at 7% for 30 years = $567,000+
- Future value calculations are essential for retirement planning
- Higher return rate dramatically affects long-term results
- Time is the most powerful factor in future value growth
Why Use Our Future Value Calculator?
Project your financial future:
FV Calculation
Calculate future value with compound growth.
Contribution Modeling
Add regular monthly or annual contributions.
Growth Visualization
See your money grow year by year.
Goal Setting
Work backward from your target amount.
Instant Results
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100% Private
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How to Future Value Calculator in 3 Easy Steps
Calculate future value:
Enter Current Amount
How much do you have now?
Set Rate & Time
Expected return and time period.
See Future Value
Watch your money grow.
Plan Your Financial Future
See how savings will grow over time
Plan for retirement with confidence
Set realistic financial goals
Understand the power of compound growth
Common Use Cases for Future Value Calculator
Perfect for:
Frequently Asked Questions
Everything you need to know about our future value calculator
How do I calculate future value?
FV = PV × (1 + r)^n - multiply present value by compounded rate.
FV = PV × (1 + r)^n. For $5,000 at 8% for 10 years: FV = $5,000 × (1.08)^10 = $10,794.62. Our calculator includes contributions too.
What return rate should I use?
6-7% for stocks (real), 3-4% for bonds - be conservative.
For stocks, use 6-7% (inflation-adjusted). For bonds, use 3-4%. For savings accounts, use actual rate (currently 4-5%). Be conservative for planning.
How do contributions affect future value?
Dramatically - $500/month for 30 years adds $567K+ vs $76K initial only.
Regular contributions dramatically increase FV. $500/month at 7% for 30 years adds $567,000+, while just $10,000 initial grows to only $76,000.
Future value vs compound interest?
Compound interest is the mechanism; FV is the resulting amount.
They are related. Compound interest is the mechanism; future value is the result. FV calculation shows you where compound interest takes your money.
Still have questions? Try the tool yourself!
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