Future Value Calculator
Project a lump sum and a contribution plan forward, then read the growth, the real value and the return scenarios behind the headline number.
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Future Value Calculator
The most-used tool on the site. Enter a starting amount, a contribution plan, a rate and a horizon, and it returns the projected balance, the split between deposits and growth, the inflation-adjusted figure and a scenario band showing how much of the projection depends on the return assumption.
It handles the awkward cases properly: zero interest, zero contributions, beginning-of-period deposits, and a compounding frequency that differs from the contribution frequency.
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Latest intelligence articles
Future Value: Formula, Examples and How to Calculate It
Where FV = PV(1 + r)^n actually comes from, how the contribution term attaches to it, and how to check a result by hand.
Present Value vs. Future Value: Compare, Calculate and Understand the Difference
Present value is what a later amount is worth today. Future value is what today's amount becomes later. One equation solved in opposite directions: use present value to price an offer you are given, future value to project a plan you are making, and move both cash flows to the same date before comparing them.
Future Value of an Annuity: Regular Payments Explained
Each deposit compounds for a different length of time. Summing that series is what the annuity factor does.
Compound Interest vs. Future Value
One is how the balance grows, the other is what it grows to. Confusing them makes rate quotes hard to compare.
How Quantus calculates
Every calculation lives in a pure module that takes inputs and returns numbers. Nothing financial happens inside a React component, which means the arithmetic can be — and is — tested directly rather than inferred from what a screen displays.
Frequency normalisation, rounding and formatting are defined once and applied everywhere, so a monthly deposit against quarterly compounding is handled consistently across every tool. Results are carried at full precision and rounded only for display.
Each calculator ships with automated tests covering a known mathematical case, the zero-rate case, a single-period case, invalid input, boundary behaviour and rounding. Amortization schedules are checked to amortize to zero; reverse solves are checked by feeding the answer back through the forward calculation.
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Methodology
What each model does, how frequencies are normalised, and where the rounding boundary sits.
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