⏭️ Future Value Calculator
See how a starting balance plus regular monthly deposits could grow over time with compound returns.
How the Future Value Calculator works
The starting amount grows with monthly compounding, and each monthly deposit grows from the month it is added. Returns are not guaranteed; use a cautious rate.
Step-by-step calculation
- 1Enter starting amount and monthly deposit.
- 2Enter the expected return and years.
- 3Apply compound growth to both.
Worked example
$5,000 to start plus $200 a month at 7% for 20 years grows to about $124,400, of which $53,000 is your own money.
Future Value Calculator examples
| Starting amount ($) | Future value |
|---|---|
| 2,500 | $114,282 |
| 3,750 | $119,331 |
| 5,000 | $124,379 |
| 6,250 | $129,427 |
| 7,500 | $134,476 |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a Future Value Calculator?
Estimate what investments may be worth in the future.
Important factors that can affect your results
- Returns vary year to year.
- Fees and taxes.
- Inflation.
Frequently asked questions
What return should I assume?
Many planners use 5–7% a year for a stock-heavy long-term portfolio after inflation is ignored, and less for savings accounts.
Are taxes included?
No. Taxes and fees reduce real returns.
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Last reviewed November 2026 · How we build and check our tools · Report a problem