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Future Value Calculator
What a sum and regular payments grow to
Future value
$3,108.93
- Starting amount
- $1,000.00
- Total payments
- $1,000.00
- Total interest
- $1,108.93
- Starting amount$1,000
- Contributions$1,000
- Interest$1,109
- Starting amount
- Contributions
- Interest
How it was calculated
- FV = PV × (1 + i)^n + PMT × ((1 + i)^n - 1) / i
- = $1,000.00 × 1.790848 + $100.00 × 13.180795 = $3,108.93
| Period | Deposits | Interest | Ending balance |
|---|---|---|---|
| 1 | $100.00 | $60.00 | $1,160.00 |
| 2 | $100.00 | $69.60 | $1,329.60 |
| 3 | $100.00 | $79.78 | $1,509.38 |
| 4 | $100.00 | $90.56 | $1,699.94 |
| 5 | $100.00 | $102.00 | $1,901.93 |
| 6 | $100.00 | $114.12 | $2,116.05 |
| 7 | $100.00 | $126.96 | $2,343.01 |
| 8 | $100.00 | $140.58 | $2,583.59 |
| 9 | $100.00 | $155.02 | $2,838.61 |
| 10 | $100.00 | $170.32 | $3,108.93 |
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How the future value calculator works
Future value grows today's money forward at an interest rate: a starting amount becomes PV × (1 + i)^n after n periods. Regular payments add PMT × ((1 + i)^n - 1) / i, the future value of an annuity.
The rate and the number of periods must use the same period: for monthly deposits over 10 years, use 120 periods and the monthly rate (annual rate / 12). Payments at the start of each period earn one extra period of interest.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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