How to use the Future Value Calculator
The future value calculator shows what a starting amount plus regular deposits will be worth later.
Open the Future Value Calculator →
What you need to enter
- Present value ($)
- Monthly deposit ($)
- Rate (% / year)
- Years
The formula
FV = PV × (1 + r)^n + deposit × ((1 + r)^n − 1) ÷ r.
Worked example
Using the default values in the calculator:
- Present value ($): 5000
- Monthly deposit ($): 250
- Rate (% / year): 5
- Years: 15
| Future value | $77,390.76 |
| Total deposits | $50,000.00 |
| Interest | $27,390.76 |
Tips for better results
- Use realistic returns.
- Include inflation to see real value.
Common mistakes to avoid
- Forgetting taxes and fees.
- Assuming a constant return.
Please note: Calculators and guides give general estimates, not financial, tax or investment advice. Real offers depend on your lender, location and personal situation. See our Disclaimer.