Finance

Future Value Calculator (Lump Sum + Contributions)

Project what a lump sum grows to with FV = PV × (1+r)^n, plus optional monthly contributions. Pick the compounding frequency and see the effective rate and doubling time.

How to use
  1. Enter the present value and interest rate.
  2. Set the number of years and any monthly contribution.
  3. Choose annual, monthly, daily, or continuous compounding.
Rate
Future value
$144,333

$10,000 @ 7% over 20 yr

Total contributions
$48,000
Total interest
$86,333
Effective annual rate
7.229%
Doubling time
9.9 yr
Growth multiple
14.43×
Estimates for general information, not financial advice. Confirm figures before making money decisions.
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Common questions

What does compounding frequency change?

More frequent compounding earns slightly more because interest starts earning interest sooner. Continuous compounding is the theoretical upper limit.

What is doubling time?

The number of years for your money to double at the given rate. A quick estimate is 72 divided by the percent rate.