See what a present sum of money grows to at a given rate over a number of years.
How this calculator arrives at its answer
Future value shows what an amount invested today becomes after growing at a set rate. Enter the present value, the annual rate and the years.
Pair it with present value and compound interest to plan savings and investments.
Worked example
As an example, with a present value of 10,000, the calculator returns a future value of $13,382.26. Underneath, Growth factor comes out at 1.3382 and Interest earned at $3,382.26. Change any field and every figure updates as you type.
Getting your answer
- Enter the present value.
- Enter the annual rate and years.
- Read the future value and interest earned.
Formula reference
future value = present value × (1 + rate)^years
Frequently asked questions
What is future value?
The value a present sum grows to over time when it earns a rate of return each period.
Does it include contributions?
This version grows a single lump sum. For regular deposits, use the compound interest calculator.
Why does time matter so much?
Because growth compounds — each year builds on the last, so longer periods produce dramatically larger results.