financeClassic tool

Future Value Calculator

Estimate how a starting balance can grow with compound interest and monthly contributions.

Use this Future Value Calculator to estimate how a starting amount may grow with compound interest and optional monthly contributions. It is useful for retirement planning, emergency funds, education goals, travel savings and other long-term targets.

What the calculation includes

The estimate combines your starting balance, annual rate, time horizon, compounding frequency and optional monthly contribution. Instead of showing only a static formula, the tool simulates growth month by month so you can compare deposits made at the beginning or at the end of each month.

That makes it easier to test different saving habits and rate assumptions. The final number is a mathematical estimate, not a guaranteed return, because taxes, fees, inflation and real market performance can change the outcome.

When this calculator is useful

planning medium- and long-term savings goals;
comparing contribution scenarios;
understanding how compound interest changes results over time.

Starting amount

Annual rate (%)

Time horizon (years)

Monthly contribution

Compounding

Contribution timing

Currency

The estimate converts the annual rate into an equivalent monthly growth rate and adds optional monthly deposits.

Summary Fill in the fields to estimate growth over time.

Estimated future value —

Total invested —

Estimated interest earned —

Equivalent monthly rate —

Calculation basis —

Quick note Mathematical estimate based on compound growth. Real returns, taxes, fees and inflation can change the final result.

Use clear inputs to get a more useful result.