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Free Future Value Calculator
Project what a lump sum and monthly contributions will be worth in the future.
What is the Future Value Calculator?
Project what a lump sum and monthly contributions will be worth in the future.
The starting amount and monthly contributions are compounded at the chosen rate and frequency for the number of years. Inflation is then used to express the result in today's money, and the table shows balance by year.
Time and consistency do most of the work in saving and investing. Running the numbers shows how small changes in rate, term or contribution add up.
How to use the Future Value Calculator
Using the future value calculator takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.
Step 1
Enter your starting amount, regular contribution, expected return and time period.
Step 2
Read the end value and the split between money you put in and growth.
Step 3
Try a lower return as well as a higher one, because real markets are uneven.
Tips for better results
Compare the future value in today's money with the nominal figure to judge real buying power. A higher contribution early generally matters more than a slightly higher return.
Treat the result as an illustration, not a promise. Returns vary year to year.
Fees and inflation reduce real growth, so consider both when planning.
Privacy and where your data goes
Everything you type into the future value calculator stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.
Frequently asked questions
What is the difference between future value and present value?
Future value is what money grows to later; present value is what a future sum is worth today. They are inverse calculations using the same rate.
Are contributions made at the start or end of the month?
They are added at the end of each month after interest, so a contribution earns from the next month.
Is the future value calculator free?
Yes. It is free to use with no signup, no watermark and no usage limits.
Is my data private?
Yes. Your inputs are processed in your browser and saved only in its local storage. They are not uploaded to our servers.
Does it work on mobile?
Yes. Zapxa works on phones, tablets and desktops. Use the print button or download a PDF to keep a copy.
Related Savings & Investing tools
- Retirement Savings Calculator — Project your retirement balance and the income it could support in today's money.
- Annuity Calculator — Calculate the future and present value of regular payments at a fixed interest rate.
- Savings Interest Calculator — Estimate savings growth with regular deposits and your chosen compounding.
- CD Calculator — Calculate the interest and maturity value of a certificate of deposit.
- Rule of 72 Calculator — Estimate how long money takes to double at a given rate, or the rate needed.
- Present Value Calculator — Discount a future sum back to what it is worth today at a given rate.