Future Value Calculator
Calculate the future value of a one-time deposit growing at compound interest using FV = PV × (1 + r)n.
Inputs
About Future Value Calculator
Formula
FV = PV × (1 + r/n)n·t where r is the annual rate, n the compounding periods per year, and t the time in years.
Compounding effect
Higher compounding frequency raises the effective rate slightly. Going from annual to monthly compounding at 7% turns 7.000% into ~7.229% effective.
Nominal vs. real (today's dollars)
Future value is a nominal number — the balance you'd see on a statement. Divide it by (1 + inflation)years to get what it will actually buy: $1,000,000 thirty years out, with 3% inflation, buys roughly what $412,000 buys now. Set the inflation rate, then flip "Show real (today's dollars)" to swap the headline between the two framings; the dashed line on the balance chart shows the real value year by year. Enter a nominal rate of return — if you'd rather work in real terms, use an inflation-adjusted rate and set inflation to 0.
For periodic deposits
This calculator handles a single lump sum. For regular monthly contributions, use the Compound Interest Calculator.