Free Future Value Calculator
Project what an initial amount plus regular monthly contributions grows to over time — no signup, nothing sent to a server. Working backward from a target instead? Use the Investment Calculator, or check a lump sum on its own with the Compound Interest Calculator.
Future value
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Total invested
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Total growth
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How to calculate future value
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1
Enter your initial investment
Any lump sum you're starting with — enter 0 if there isn't one.
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2
Enter your monthly contribution
The amount you plan to add every month.
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3
Set the return rate and compounding frequency
Choose how often the interest is credited.
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4
Set the time period
Future value, total invested, and total growth update instantly as you type.
Example use cases
Combining savings with new contributions
See the combined effect of an existing lump sum plus ongoing monthly investing.
Comparing compounding frequency
Check how much difference monthly versus annual compounding actually makes over a long horizon.
Long-term wealth projections
Get a ballpark future value for retirement or other long-range planning.
Frequently asked questions
How does compounding frequency affect the result?
More frequent compounding (monthly versus annually) credits interest more often, so the same nominal rate produces a slightly higher future value the more often it compounds.
How is the monthly contribution treated between compounding periods?
Contributions made during a compounding period are added to the balance before interest is applied at the end of that period.
How does this differ from the SIP Calculator?
The SIP Calculator only handles monthly contributions with monthly compounding. This tool adds an initial lump sum and lets you choose a different compounding frequency.
Is my financial information sent to a server?
No. The calculation runs entirely in your browser — nothing is transmitted or logged.