Future Value Calculator
Compound a single amount into the future.
Present Amount
Future Value
The power of compounding
$5,00,000 at 7% for 10 years grows to about $10,00,000 — doubling without any additional contribution. The interest earned column shows the reward for letting compounding work.
Future Value FAQ
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Future Value Calculator — how much will your money grow to?
The future value (FV) of money tells you what an investment today will be worth at a future date, given a rate of return. This calculator grows your present amount with the exact compounding you choose — essential for goal planning and comparing investments.
The growth formula
FV = PV × (1 + r/m)^(m×t), where PV is the present amount, r the annual rate, m compounding frequency and t the years.
$10,00,000 at 10% for 10 years compounded annually grows to $25,93,742; compounded monthly, slightly more.
The 'rule of 72' reverse-checks your numbers: 72 ÷ rate ≈ years to double.
Planning goals accurately
College fund: a $100,000 tuition cost today at 5% inflation will be $162,889 in 10 years — plan FV, not PV.
Retirement: today's $5,000 monthly living expense at 3% inflation becomes $9,030/month in 20 years.
The difference between assuming 8% vs 10% over 30 years is nearly double the terminal amount — choose your rate carefully.
How to use this calculator
- Enter the present amount you have today.
- Input the annual rate of return.
- Set the number of years.
- Select the compounding frequency.
- Read the future value and total interest earned.
Pro tips
- For inflation-adjusted goals, use the real rate (return − inflation) as your rate.
- Use monthly compounding when comparing with bank products.
- Recheck with the rule of 72 to catch input errors.