Future Value Calculator
Calculate the future value of any investment with regular contributions.
Future value inputs
Enter a starting amount, rate, time horizon, and optional recurring contributions.
Starting amount invested or saved today.
Expected annual return before taxes, fees, and inflation.
How long the money compounds.
Optional contribution added at the selected frequency.
How often growth is compounded.
How often recurring contributions are added.
Future value
£63,367.82
Estimated value after 10 years.
Interest earned
£23,367.82
36.88% of final balance from estimated growth.
Total invested
£40,000.00
Present value plus recurring contributions.
Total contributions
£30,000.00
120 contribution periods.
Starting amount growth
£20,096.61
Future value of the original present value.
Contribution growth
£43,271.20
Future value created by recurring deposits.
Growth multiple
1.58×
Future value divided by total invested.
5 more years projection
£89,831.82
Projection if the same rate continued for five more years.
Support
Investment support layer
Formula based
Uses standard future value formulas for lump sums and recurring contributions.
Estimate only
Results do not include taxes, fees, inflation, changing rates, or market volatility.
Goal focused
Use future value to test savings targets, investment assumptions, and contribution plans.
Interpretation
What these future value results mean
Future value estimate
Your estimated future value is £63,367.82 after 10 years.
Starting amount
Your starting amount of £10,000.00 grows to about £20,096.61 by itself.
Recurring contributions
Your recurring deposits add £30,000.00 before growth and are worth about £43,271.20 in the projection.
Compounding effect
The calculator compounds monthly at an annual rate of 7.00%.
Future value basics
How future value works
Present value
Present value is the starting amount you already have today.
Growth rate
The annual rate is the assumed yearly return before taxes, fees, and inflation.
Time horizon
More time allows compounding to work over more periods.
Contributions
Recurring deposits add new principal and can significantly increase future value.
Comparison
Future value vs present value
Present value
£10,000.00
Present value is what the money is worth today before future growth is applied.
Future value
£63,367.82
Future value estimates what the money could become after growth and contributions.
Drivers
What affects future value
Time
Longer periods allow both the original amount and contributions to compound for longer.
Rate
A higher assumed rate increases projected future value, but may involve more uncertainty for investments.
Contribution size
Increasing regular deposits can have a large impact on the ending balance.
Compounding frequency
More frequent compounding can slightly increase future value when the annual rate is held constant.
Fees and taxes
Account fees and taxes can reduce real-world future value.
Inflation
Inflation reduces purchasing power, so nominal future value is not the same as real value.
Formula
Future value formula explanation
Lump sum future value
FV = PV × (1 + r / n)^(n × t)PV is present value, r is annual rate, n is compounding periods per year, and t is time in years.
Interest earned
Interest = Future Value − Total InvestedInterest earned separates projected growth from the money originally invested.
Growth multiple
Growth Multiple = Future Value ÷ Total InvestedGrowth multiple shows how many times the invested amount becomes.
FAQ
Future value calculator questions
Future value estimates what money today could be worth later after earning interest or investment growth.