Future Value Calculator
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Future Value (FV) calculates what a current sum of money will be worth at a future date, given a rate of return. It is the foundation of investment planning — showing the power of compound growth over time.
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Tip: The single most powerful factor in future value isn't the rate — it's time. Starting 10 years earlier with half the monthly contribution often beats starting later with a larger amount.
- 1FV of lump sum: FV = PV × (1 + r)^n
- 2FV of regular payments: FV = PMT × ((1+r)^n − 1) / r
- 3PV = present value, r = periodic rate, n = periods, PMT = payment amount
- 4Compounding frequency matters: daily > monthly > annually
$10,000 today at 8% for 20 years=$46,610More than 4× the original — compounding at work
$500/month at 7% for 30 years=$566,765Only $180,000 contributed — $386k is growth
| Annual Return | Years to Double | $10,000 in 30 years |
|---|---|---|
| 3% | 24 years | $24,273 |
| 5% | 14.4 years | $43,219 |
| 7% | 10.3 years | $76,123 |
| 10% | 7.2 years | $174,494 |
| 12% | 6 years | $299,599 |
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Fun Fact
Albert Einstein is often (perhaps apocryphally) credited with calling compound interest "the eighth wonder of the world." Whether he said it or not, the math makes the point — $1 invested at 10% for 100 years becomes $13,780.
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