Future Value Calculator
Estimate how much an investment may grow to in the future.
How this calculator works
How to use this calculator
1. Enter the present value.
2. Enter the annual growth or return rate.
3. Enter the number of years.
4. Click Calculate Future Value.
Formula used
Future Value = Present Value × (1 + r)^t
where:
r = annual rate as a decimal
t = number of years
This calculator assumes annual compounding and a constant rate.
Example calculation
Example: $10,000 at 6% for 5 years
Future Value = 10,000 × (1.06)^5
Future Value ≈ $13,382.26
What the result means
The result estimates what a current amount could grow to after the selected number of years if the annual rate stays constant. It does not account for taxes, fees, or changing returns.
Frequently asked questions
Does this calculator include additional contributions?
No. It calculates growth of one present amount only.
Is the annual rate guaranteed?
No. The calculator uses the rate you enter as a constant assumption.
Can the annual rate be negative?
Yes, but a negative rate reduces the future value and must remain mathematically valid.