Skip to main content
Financial Planning

Future Value Calculator

A time-value-of-money (TVM) calculator for future value from a present value, periodic payment, rate per period and number of periods.

Your inputs

Results

Future value (FV)

$2,886.68

From the present value
$1,628.89
From the payments
$1,257.79
Total interest
$886.68

✓Exact calculation — rounded only for display

Inputs are never added to links for financial, salary or health calculators.

What this calculator does

This works like a financial calculator’s TVM keys: N, I/Y, PV and PMT give FV. It is useful for textbook problems and for any growth problem expressed per period.

Formula and method

FV = PV(1 + i)^N + PMT × ((1 + i)^N − 1) ÷ i × (1 + i if payments are at the beginning)

Worked example

Calculated by this tool with its default inputs:

Inputs

  • Number of periods (N): 10
  • Interest rate per period (I/Y): 5 %
  • Present value (PV): 1000 (any currency)
  • Payment per period (PMT): 100 (any currency)
  • Payments at: End of each period

Results

  • Future value (FV): 2,886.68
  • From the present value: 1,628.89
  • From the payments: 1,257.79
  • Total interest: 886.68

How to read the results

The split shows how much of the result comes from the starting amount versus the payments.

Assumptions and limitations

  • Enter the rate per period (e.g. monthly rate for monthly periods).
  • All amounts are treated as positive inflows to the account.

Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.

Questions

How is this different from the compound interest calculator?

This uses a per-period rate and period count directly, like a financial calculator; the compound interest tool works from an annual rate, compounding frequency and years.

Methodology and verification

Result type
Exact mathematical calculation (rounded only for display)
Formula version
1.0
Automated verification
3 reference and validation test cases, checked against independently computed values. The site cannot be built if any of them fail.
Editorial review
Awaiting human editorial review. The explanation was drafted with AI assistance; the formula and examples are verified by the automated tests above.

Privacy

Everything you enter is calculated in this browser and is not sent to Numerith or anyone else. Because this calculator can involve personal financial or health details, your inputs are never added to share links or saved to history. Privacy policy