Future Value

The Future Value Calculator projects what a current sum of money will be worth at a future date given a specific rate of return. This is a fundamental time-value-of-money calculation used in all areas of financial planning. You can model different scenarios by adjusting the present value, annual rate, compounding frequency, and number of years. Optional regular contributions let you combine lump sum and periodic investing in a single calculation. This tool answers the essential question: "If I invest X today at Y% for Z years, how much will I have?" It is the building block for retirement planning, education funding, and any goal that requires projecting current savings into the future.