Future Value Calculator
Project the future value of savings with an initial amount plus monthly contributions.
Future value answers the core savings question: if I start with this amount and add to it regularly, what will it be worth down the road? It combines two engines of growth — compound interest on your starting balance and the steady accumulation of your contributions, each earning returns from the moment it's added.
Enter an initial amount, an expected annual return, a time horizon and a monthly contribution, and this calculator projects the future value, separating what you put in from what growth added. It's the foundation tool for planning any savings goal, from an emergency fund to retirement.
How to use Future Value Calculator
- 1
Enter your starting amount
What you have saved today (can be zero).
- 2
Add your monthly contribution
What you'll add each month.
- 3
Set return and years
See the projected future value.
Features
- Combines lump sum and monthly contributions
- Monthly compounding
- Separates contributions from growth
Frequently asked questions
Common mistakes to avoid
- Ignoring inflation, which makes the nominal figure look larger than its real worth.
- Assuming steady returns — markets fluctuate; the projection is an average-case estimate.
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