Future Value (FV) Calculator
Free online Future Value (FV) Calculator that runs directly in your browser.
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What is Future Value (FV)?
Future Value (FV) determines how much money invested today will be worth after a specified period of time, assuming a specific interest rate and the frequency of capitalization (adding interest).
The more often you compound (e.g. monthly instead of annually), the faster your capital grows thanks to the compound interest mechanism (interest od odsetek).
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Other tools you may find usefulFuture value (FV) calculator – capitalization and monthly payments
The tool calculates the future value of capital at a given interest rate, number of years and capitalization. It also includes monthly contributions to show a realistic scenario of building a savings or investment portfolio. The result is based on the classic compound interest formula and the sum of discounted payments.
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Formulas and theory
Future value definition
Future value (FV) is the amount to which the current capitalPVwill grow aftertyears at an annual interest rater, with capitalizationntimes a year, and with an additional series of monthly paymentsC.
Basic formula for FV one-time capital
FVcapital= PV · (1 + y/n)n t
- PV– initial value
- r– annual rate in decimal terms
- n– number of capitalizations in the year
- t– time in years
Monthly payments and capitalization
Monthly payments are capitalized in accordance with the selected interest accrual frequency. Intuitively, each payment has a different growth horizon, so we add up the contributions plus compound interest until the end of the period.
FVdeposits≈ Σk=1→12tC · (1 + r/n)(n/12) · (12t − k + 1)
Total result:FV = FVcapital+ FVdeposits
Capitalization and efficiency
The more frequent capitalization, the higher the effective annual rate, because interest works more frequently. For short periods the differences may be small. For long horizons they increase significantly.
Parameters in the tool
Input fields
- Initial valuePV [PLN]
- Annual interestr [%]
- Years t
- Capitalizationn: daily, monthly, quarterly, annual
- Monthly paymentC [PLN]
Default ranges and validation
- Amounts and rates must be non-negative
- Interest rate given as a percentage
- Years may be fractional
- Capitalization selected from the list: daily, monthly, quarterly, yearly
The result is illustrative and does not constitute investment advice.
Examples
Example 1. One-time capital
Data:PV = PLN 10,000, r = 6% per annum, t = 5 years, monthly capitalization.
Calculation:FV ≈ 10,000 · (1 + 0.06/12)12·5≈ PLN 13,488.00.
Interpretation: increase by approx. 34.9% in 5 years with monthly capitalization.
Example 2. With monthly payments
Data:PV = PLN 10,000, r = 6% per annum, t = 5 years, monthly capitalization, C = PLN 300.
Idea:each payment works until the end of the period. The sum of the increases gives the total contribution with interest.
Approximate result:FV ≈ 10,00