Future Value Calculator

Estimate how a starting amount could grow over time at an assumed annual rate.

Build your scenario

Use your actual figures where available. The output is an educational estimate based on the assumptions below.

FINANCIAL ESTIMATE

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Estimated growth—

Years—

Annual rate—

Results are estimates for education. Actual terms, rates, taxes, fees, compounding, and lender or investment conditions can change the outcome.

How this future value calculator works

A single starting amount is grown once per year at the rate you enter. The rate is an effective annual rate. There are no extra deposits, and the result is not a market forecast.

Important: Review the assumptions shown under each input. Changing one assumption can materially change the result.

When to use this calculator

Grow a lump sum at an assumed annual rate with no further contributions.
Use the compound-interest calculator instead if you will add recurring deposits.
Try a 0% rate to confirm the future value equals the starting principal.

Related education

Read the guide → Browse all financial guides →

Frequently asked questions

Are monthly deposits included?

No. This page grows one starting amount only.

Is the rate nominal or effective?

Effective annual, compounded once per year, not a nominal rate divided by 12.

Can the real result be lower?

Yes. Markets, fees and taxes can produce a smaller or negative outcome. This is an estimate.