Future Value Calculator
This future value calculator shows what a lump sum grows to over time at a given interest rate, using annual compounding. Enter your starting amount, rate and time period to see the result.
The lump sum you're investing today.
The yearly rate this amount earns.
How many years the money grows for.
Frequently asked questions
Does this account for inflation?+
No — this shows nominal future value. To see purchasing power in today's terms, use the Inflation Calculator alongside this one to adjust the result downward for expected inflation.
What if my investment compounds monthly instead of annually?+
More frequent compounding produces a slightly higher future value at the same nominal rate — this calculator uses annual compounding for simplicity, which is a conservative (slightly lower) estimate compared to monthly compounding.
Can I use this for a savings account instead of investments?+
Yes — the same compound interest math applies to a high-yield savings account or CD; just use that account's actual annual rate.
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