Future Value Calculator

Calculate the future value of your current investments.

Present Value ($)

Annual Return Rate (%)

Years

Expected Inflation Rate (%)

$89,542

Future Value (Nominal)

$66,628

Future Value (Inflation-Adjusted)

$39,542

Total Growth

Learn More

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Key Terms to Know

Future Value Compound Interest Time Value of Money

Understanding This Calculator

What this calculator does

This calculator computes the future value of a present sum (or series of payments) at a given rate and time, the foundational time-value-of-money calculation behind nearly every financial decision.

How to use the results

1.Enter your present value (money today), expected rate, and number of periods.
2.For recurring payments, switch to the annuity mode and enter the payment amount.
3.The result is what your money is worth at the end of the period at that rate.

Worked example

$25,000 invested at 6% for 15 years has a future value of about $59,900. That's the power of time value — $25,000 today is worth far more than $25,000 in 15 years.

Important assumptions & limitations

•The rate is per period; make sure it matches your period length (annual rate with annual periods).
•Assumes a single constant rate throughout — real rates vary.
•For annuity mode, payments are assumed at period-end (ordinary annuity).