Future Value (FV) Calculator
Forecast the compound growth of your capital over any investment timeframe. This calculator applies standard Time Value of Money (TVM) equations to determine the terminal monetary value of a current lump sum.
Starting capital lump sum invested today
Annual compound rate of return or interest rate
Elapsed duration in years until terminal liquidation
Total value of initial investment at the end of the term
How to Use This Calculator
- Enter your initial starting principal amount (Present Value).
- Set your expected annual interest rate or equity growth rate.
- Enter the investment horizon duration in years.
- Review the projected Future Value and total interest earnings accrued.
Formula & Calculation Methodology
The foundational Time Value of Money equation demonstrates exponential compound interest accrual across discrete annual compounding intervals.
Worked Example
$20,000 invested at 7% annual return for 10 years
Frequently Asked Questions
What is the concept of Time Value of Money (TVM)?↓
Time Value of Money is the core financial principle that a dollar in hand today is worth more than a dollar promised in the future, because current money can be invested to earn compounding interest.
Does this calculator include recurring monthly deposits?↓
This calculator evaluates a single lump-sum investment. For recurring monthly or annual deposits, use our Compound Interest Calculator or Savings & Investment Calculator.
How does inflation affect Future Value?↓
Future Value calculates nominal dollars. To calculate what that future sum can buy in today’s goods and services, subtract inflation using our Real Rate of Return Calculator.
How is Present Value related to Future Value?↓
Present Value (PV) and Future Value (FV) are inverse mathematical functions. Discounting a future cash sum back to the present day yields PV: PV = FV / (1 + r)ⁿ.
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Open calculator →Source Citation & Disclaimer
Informational tool only; not licensed tax, legal, or financial advice.