Future Value Calculator

Calculate the future value of any investment, savings plan, or regular payment series.

Savings Plan

1%20%
1 yr40 yrs

Future Value

₹10,66,390

Total Invested

₹7,00,000

Total Returns

₹3,66,390

Wealth Multiplier

InvestedReturns

Ready to start investing?

Open a free account with a trusted broker to put your plan into action.

GrowwOpen a free Demat account and start investing in mutual funds & stocks.ZerodhaIndia's largest stockbroker — open a free trading & demat account.

Sponsored links — SmartCalculations may earn a commission at no extra cost to you.

Future Value Calculator Formula & How It Works

FV Lump Sum = PV × (1 + r)ⁿ | FV Annuity = PMT × [(1+r)ⁿ − 1] ÷ r
  • PV = Present value (initial investment)
  • PMT = Regular periodic payment
  • r = Interest rate per period
  • n = Number of periods

Future value tells you what an investment will be worth at a future date. Two components: growth of an initial lump sum (PV × (1+r)ⁿ) and the future value of regular contributions (annuity formula). The combination is the standard investment/savings projection formula.

Future Value Calculator FAQs

What will $5,000 invested today be worth in 20 years?

At 8% annual return: FV = $5,000 × (1.08)²⁰ = $23,305. At 10%: $33,637. The difference between 8% and 10% return creates $10,000+ in value — showing why investment costs and returns matter greatly.

How does compounding frequency affect future value?

More frequent compounding = higher FV. $10,000 at 6% for 10 years: Annual compounding → $17,908. Monthly → $18,194. Daily → $18,221. The differences seem small but grow with higher rates and longer periods.

What is the difference between future value and present value?

FV projects a current value forward in time (with growth). PV discounts a future value back to today. They are mathematical inverses: PV = FV / (1+r)ⁿ and FV = PV × (1+r)ⁿ.

Related Calculators

Present Value Calculator

Calculate what future money is worth in today's dollars using time value of money.

Investment Calculator

Project the future value of your investments including regular contributions and compound growth.

Compound Interest Calculator

Watch your money grow on itself — choose any compounding frequency and see the year-by-year breakdown.

Savings Calculator

Calculate savings growth with regular deposits, or find monthly savings needed to reach your goal.