Future Value Calculator

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Starting position

Present value (starting amount)

Leave at 0 if you are starting from nothing.

Contributions

Contribution each period

Set to 0 to project a lump sum on its own.

Contribution frequency

Contributions are made

End of periodBeginning of period

Growth assumptions

Annual rate of return

Nominal annual rate, before inflation.

Compounding frequency

How often interest is added to the balance. It does not have to match your contribution frequency.

Number of years

Part-years are allowed — 2.5 years of monthly deposits is 30 contributions.

Inflation assumption

Used only for the inflation-adjusted result. Set to 0 to ignore.

Scenario spread

Lower and higher scenarios run at the base rate minus and plus this amount.

Future value after 20 years

$196,665

58.3% of that ending value is growth rather than money you paid in.

Total principal$82,000$10,000 start + $72,000 contributed

Total growth$114,66558.3% of ending value

Inflation-adjusted value$120,019In today's money at 2.5% inflation

Purchasing power lost$76,646Nominal result less real result

Effective annual rate7.229%7% nominal, compounded 12× a year

Contribution periods240monthly deposits at the end of each period

What the ending balance is made of

Return scenarios — base rate 7% ± 2 points
Scenario	Annual return	Future value	In today's money	vs base case
Lower return	5.0%	$150,437	$91,807	-$46,229
Base return	7.0%	$196,665	$120,019	$0
Higher return	9.0%	$260,458	$158,950	$63,792

A scenario band is not a probability. It shows how much of the projection depends on the return assumption.

Scroll the table sideways on a narrow screen to see every column.

Year-by-year schedule (20 years)
Year	Starting balance	Contributions	Growth	Ending balance	Ending balance (real)
1	$10,000	$3,600	$841	$14,441	$14,088
2	$14,441	$3,600	$1,162	$19,202	$18,277
3	$19,202	$3,600	$1,506	$24,308	$22,573
4	$24,308	$3,600	$1,875	$29,783	$26,982
5	$29,783	$3,600	$2,271	$35,654	$31,513
6	$35,654	$3,600	$2,695	$41,949	$36,173
7	$41,949	$3,600	$3,150	$48,700	$40,969
8	$48,700	$3,600	$3,638	$55,938	$45,911
9	$55,938	$3,600	$4,162	$63,699	$51,006
10	$63,699	$3,600	$4,723	$72,022	$56,264
11	$72,022	$3,600	$5,324	$80,946	$61,693
12	$80,946	$3,600	$5,969	$90,516	$67,303
13	$90,516	$3,600	$6,661	$100,777	$73,106
14	$100,777	$3,600	$7,403	$111,780	$79,110
15	$111,780	$3,600	$8,198	$123,578	$85,326
16	$123,578	$3,600	$9,051	$136,229	$91,768
17	$136,229	$3,600	$9,966	$149,795	$98,445
18	$149,795	$3,600	$10,946	$164,342	$105,370
19	$164,342	$3,600	$11,998	$179,940	$112,557
20	$179,940	$3,600	$13,126	$196,665	$120,019

Rows are annual aggregates of the underlying periodic calculation.

Scroll the table sideways on a narrow screen to see every column.