Find the future value of money — a lump sum today plus optional monthly contributions, grown at a rate over a number of years.
Estimate assuming a constant rate compounded monthly. Real returns vary and aren't guaranteed. General information, not investment advice.
A dollar today is worth more than a dollar tomorrow, because it can grow. Future value tells you what money becomes after growing at a given rate — the foundation of every savings, investing, and retirement projection.
FV = PV × (1+r)ⁿ + PMT × ((1+r)ⁿ − 1) ÷ r
Future value grows today's money forward; present value discounts a future sum back to today. They're two sides of the same time-value-of-money coin.
Match it to where the money sits — a savings rate for cash, a long-run market average for diversified investments. Lower rates give a more conservative estimate.
Related: present value calculator · compound interest calculator · CD calculator · all free calculators.
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Yes. The Future Value Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Future Value Calculator by ToolWise Digital.
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