Calculate future value of investments with compound interest, regular contributions, and various compounding frequencies for retirement and savings planning.
A future value calculator projects investment growth over time using compound interest, accounting for initial investment, regular contributions, time period, and expected return rate. Unlike simple calculators that show only compound interest on a lump sum, this advanced tool includes regular monthly or annual contributions, making it perfect for retirement planning with 401k contributions, education savings plans with monthly deposits, and any long-term savings goal with recurring investments. Visualizes the power of consistent contributions combined with compound returns—even small monthly amounts grow significantly over decades.
Understand why starting early matters—see how someone investing $200 monthly at age 25 accumulates vastly more by 65 than someone starting at 35, even if the later starter contributes more monthly. Plan retirement contributions by seeing if your current savings rate will meet your goal or if adjustments are needed now rather than discovering shortfalls at retirement age. Motivate consistent saving by visualizing growth trajectories and milestone achievements along the way. Compare different investment scenarios with varying return rates, contribution amounts, and time horizons to find your optimal strategy. Financial advisors use this to illustrate retirement planning concepts and motivate client action.
Enter your initial investment amount (current savings if any, or $0 if starting fresh), expected annual return rate (7-10% is realistic for stock market historical averages, 3-5% for conservative bonds), investment time period in years, and monthly or annual contribution amount. Results show future value at the end of the period, total contributions made, investment growth from returns, and often a year-by-year breakdown with charts. Adjust variables to test different scenarios—see how increasing monthly contributions by $100 or extending investment time by 5 years impacts final values. Recalculate annually with updated balances and adjust contributions as income grows.
Calculate present value of future cash flows, investments, and annuities with discount rates for investment valuation and financial decision-making.
Calculate compound interest with daily, monthly, quarterly, or yearly compounding. See how your investments grow exponentially over time with the power of compound interest.
See how inflation erodes the purchasing power of your money over time. Calculate future value and understand how much you'll need to maintain current living standards.
Estimate the savings needed to achieve Financial Independence, Retire Early (FIRE) based on your annual expenses, savings rate, and investment returns. Calculate your path to early retirement.
Plan your retirement savings, calculate how much you need, and project your retirement fund growth with detailed scenarios
Calculate final price after discount and savings amount
Common questions about future value calculator — fv investment growth calculator