Future Value Calculator – What Will Money Be Worth?
Calculate the future value of any lump sum investment at a given rate of return.
📊 Finance📐 FV = PV × (1+r)^n
Present value ($)
Annual return (%)
Years
Please enter valid values.
Formula & Reference
| Variable | Formula | Units |
|---|---|---|
| Future Value Calculator – What Will Money Be Worth? | FV = PV × (1+r)^n | $ |
Step-by-Step Examples
Example 1
$10K at 7%, 10yr
$10,000 at 7% for 10 years.
- FV = $10,000 × 1.07^10 = $19,672
✓ $19,672
Example 2
$50K at 8%, 20yr
$50,000 at 8% for 20 years.
- FV = $50,000 × 1.08^20 = $233,048
✓ $233,048
Example 3
Rule of 72
$10K at 6%: doubles every 12 years.
- $10K → $20K → $40K → $80K by year 36
✓ Doubles every 12yr at 6%
Real-World Applications
Investors
Project any investment forward.
Savers
See savings value at retirement.
Students
Learn time value of money.
Business
Value future cash flows for decisions.
Common Mistakes to Avoid
⚠️
Nominal vs real return
Subtract inflation: 7% nominal - 3% inflation = 4% real return.
⚠️
Taxes on gains
Taxable accounts reduce returns via capital gains tax. Use tax-advantaged accounts.
Frequently Asked Questions
Rule of 72? ▾
Divide 72 by rate to find years to double. At 7%: 72/7 = 10.3 years.
FV vs PV? ▾
FV: what money will be worth later. PV: what future money is worth today.
For regular contributions? ▾
Use the compound interest calculator — FV formula is for single lump sums.