Future Value Calculator

What will a single lump sum be worth after a set number of years at a given growth rate? Enter your amount, expected annual rate, and time horizon to see the future value and growth over time.

Inputs

Assumed growth rate, compounded monthly.

Results

Future value$16,470.09
Growth / interest earned$6,470.09
Multiplier1.65×

Growth over time

How your lump sum grows at the entered rate. No contributions—compound growth only. Nominal dollars.

How it works

This calculator assumes no contributions—only the growth of your initial amount. We compound monthly: each month the balance grows by (annual rate ÷ 12). Formula: FV = P × (1 + r)^n where r is the monthly rate and n is the number of months.

Growth / interest earned = future value minus your initial amount. If you set an inflation rate, we show the future value in today's dollars (FV ÷ (1 + inflation)^years). The chart shows nominal dollars only.

For adding regular contributions, use the Compound Interest Calculator. For solving how much to save to reach a goal, use the Savings Goal Calculator.

FAQ

Are these calculators financial advice?
No. All tools are for educational and estimation purposes only. Always do your own research and consider consulting a financial advisor.
Do you store my data?
No. All calculations run in your browser. We do not collect or store your inputs.
What rate should I use?
For long-term growth, 3–7% is often used as a rough estimate. This is only an estimate; actual returns will vary. The calculator assumes the rate is constant over time.
How is this different from the Compound Interest Calculator?
The Compound Interest Calculator answers "how much will I have after N years if I add regular contributions?" This calculator answers "what will this one lump sum be worth?"—no recurring contributions, just growth of a single amount.
How is this different from the Savings Goal Calculator?
The Savings Goal Calculator answers "how much must I save each period to reach a goal by a date?" This calculator answers "what will this amount become?"—you enter a lump sum and get its future value, with no goal or contribution.

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Calculators are for education and estimation only. Not financial advice.