Calculate the future value of a starting amount plus a series of periodic deposits, given a number of periods and an interest rate.
Future value answers the mirror-image question to present value: given money you have today (and possibly add to over time), how much will it be worth at a set point in the future once compound interest has had time to work? It's the math behind every savings account projection, retirement estimate, and investment growth chart.
This calculator combines both pieces at once — a lump sum that starts growing immediately, plus a recurring deposit added each period. The "PV (Present Value)" figure in the results is the value today of the entire cash flow stream (starting amount plus the present value of every future deposit), which will always discount back to less than the future value shown.
Leave the Periodic Deposit at 0 — the calculator will simply compound the starting amount at the given rate for the given number of periods.
Yes — deposits made at the beginning of each period earn one extra period of interest compared to deposits made at the end, producing a slightly higher future value.
Pick another financial tool to jump straight to it.
Calculate the present value of a future lump sum or periodical deposits.
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