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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.

Hướng dẫn từng bước

  1. 1FV of lump sum: FV = PV × (1 + r)^n
  2. 2FV of regular payments: FV = PMT × ((1+r)^n − 1) / r
  3. 3PV = present value, r = periodic rate, n = periods, PMT = payment amount
  4. 4Compounding frequency matters: daily > monthly > annually

Ví dụ có lời giải

đầu vào
$10,000 today at 8% for 20 years
Kết quả
$46,610
More than 4× the original — compounding at work
đầu vào
$500/month at 7% for 30 years
Kết quả
$566,765
Only $180,000 contributed — $386k is growth

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