Future Value Calculator

Explore how a starting balance and regular month-end deposits could grow over a chosen horizon. Enter your own assumed nominal annual return.

Enter your values to see an estimate. Enter 0 for amounts that do not apply.

How this calculator works

Starting savings grow each month at annual rate / 12. Contributions are added at each month end. The projected balance separates money contributed from estimated growth.

Worked example

Starting with 500 and adding 100 at each month end for 12 months at 0% gives 1,700, all from contributions.

Assumptions and limits

A constant hypothetical return is not a forecast. Excludes volatility, losses, taxes, inflation and fees. Rates here are nominal annual rates, not APY. Contributions stay constant.

How to choose your inputs

Start with money already available for this scenario, not the target you hope to reach. Enter a monthly amount you could contribute consistently and the number of months you can leave it invested. The rate field is nominal annual return with monthly compounding; use several assumptions, including zero, instead of treating one return as a forecast.

How to interpret your result

Separate the ending balance into your starting money, later deposits and modeled growth. Increasing contributions changes money you supply, while increasing the return assumption changes uncertain growth. Compare scenarios at the same horizon before deciding whether the plan depends too heavily on the assumed return; the displayed balance is not adjusted for purchasing power.

Primary references

This educational estimate uses your inputs. It is not individualized financial, tax, insurance, or investment advice, a lender offer, approval decision, or a promise of future results.

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