Future Value Calculator

Project the future value of a lump-sum investment given a present value, annual rate, and time horizon. Free, instant, no signup.

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years
Formula: FV = PV × (1 + r)^t
  • PV = present value
  • r = annual interest rate (decimal)
  • t = years

How to use the Future Value Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the future value calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Future Value Calculator

Instant results. Enter your figures and the future value calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

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About the Future Value Calculator

The Future Value Calculator tells you what a sum of money today will be worth at a chosen point in the future once interest or investment growth is added. You enter a starting amount (present value), an annual rate of return, the number of years, and how often interest compounds, and the tool projects the ending balance. It is the practical answer to questions like "If I leave $10,000 in this account at 6% for 15 years, what will I have?" Unlike a plain savings estimate, it accounts for compounding, where each period's interest itself earns interest in later periods.

Reach for this calculator whenever you want to compare what your money could become rather than what it is worth now. It is useful for sizing a retirement nest egg, deciding between a one-time deposit and a CD, projecting how a lump-sum gift or bonus might grow, or simply seeing the long-run cost of leaving cash idle. Because it isolates a single growth assumption, it is also a clean teaching tool for understanding the time value of money. Add a recurring deposit field and it doubles as a savings-plan projector for monthly contributions.

Under the hood the tool uses the compound interest formula FV = PV x (1 + r/n)^(n x t), where PV is your present value, r is the annual rate as a decimal, n is the number of compounding periods per year, and t is the number of years. When you also add a regular contribution, it layers on the future value of an ordinary annuity, PMT x [((1 + r/n)^(n x t) - 1) / (r/n)], and sums the two. The more frequently interest compounds, the larger the result, which is why monthly and daily compounding beat annual for the same stated rate.

Every calculation runs entirely in your browser, so the amounts and rates you type are never uploaded, stored, or shared. Treat the output as a projection, not a guarantee: it assumes a fixed, constant rate of return for the whole period, no taxes, and no fees, none of which hold perfectly in the real world. Investment returns vary year to year and inflation erodes purchasing power, so use the figure as a planning estimate. For decisions involving real money, confirm the result against your account's actual rate and compounding terms.

Frequently asked questions

What is the difference between future value and present value?

Future value tells you what an amount today will grow to by a later date, while present value works backward to tell you what a future sum is worth in today's money. The two are mathematical opposites: present value divides by (1 + r)^n, and future value multiplies by it.

How does compounding frequency change the result?

More frequent compounding produces a higher future value for the same stated annual rate, because interest is added to the balance sooner and then earns its own interest. For example, 6% compounded monthly yields slightly more than 6% compounded annually over the same period.

Can I include regular monthly deposits, not just a lump sum?

Yes. When you add a recurring contribution, the calculator combines the growth of your initial lump sum with the future value of an annuity formula for the deposits, then adds them together. This is how you project a savings plan with ongoing contributions.

Does the calculator account for inflation and taxes?

No. The result is a nominal figure that assumes a constant rate of return with no taxes or fees deducted. To gauge real purchasing power, subtract an estimated inflation rate from your return, or compare the result against an inflation calculator separately.

What rate of return should I use?

Use the actual rate your account or investment offers when it is known, such as a savings APY or a CD rate. For long-term investment estimates, people often model a conservative range and test a few different rates rather than relying on a single optimistic figure.

From our blog

How a BAC Calculator Works, and Why the Number Is Only an Estimate

By the Super Simple Digital Tools Team · Updated June 2026

Blood Alcohol Concentration is simply the share of your blood that is alcohol, usually written as a percentage like 0.05 or 0.08. A BAC calculator does not measure that directly the way a breathalyzer does; instead it predicts it from a handful of facts you supply. The engine behind nearly every online version is the Widmark formula, named after the Swedish toxicologist Erik Widmark who worked it out in the 1920s. Understanding its four moving parts makes the output far more meaningful than a single mystery number.

The first input is how much alcohol you actually drank, measured in grams of pure ethanol rather than glasses. Because a standard U.S. drink holds about 14 grams of alcohol, the calculator multiplies your drink count by that figure, but the count only works if your pours match the standard. A 16 oz pint of 7% IPA or a generous home cocktail can quietly equal two or three standard drinks, which is the most common reason people underestimate their own BAC.

The second and third inputs, body weight and sex, set how widely that alcohol spreads. Heavier bodies contain more water and more tissue to absorb the alcohol, lowering the concentration, which is why the formula divides by weight. Sex enters through the distribution factor r, about 0.68 for men and 0.55 for women, reflecting average differences in body water. These are population averages, so a lean, muscular person and someone with more fat mass at the same weight can land at noticeably different real values.

The fourth input is time, and it works in your favor. The liver clears alcohol at a steady pace of roughly 0.015 BAC per hour regardless of weight or sex, so the calculator subtracts that amount for every hour since your first drink. Nothing on the menu of folk remedies, not coffee, cold water, exercise, or fresh air, changes this rate. If the math says you are above a level you care about, the only real fix is waiting, and the calculator can show you roughly how long that wait is.

Finally, respect what the number cannot capture. Food in your stomach slows absorption, some medications interfere with metabolism, carbonation can speed it up, and your personal r value and liver speed are not the textbook averages. For these reasons the estimate should guide planning and learning, never a decision to get behind the wheel. The legal driving limit is 0.08% in most U.S. states and 0.05% in Utah, but impairment can start lower, so treat any positive reading as a reason to find another way home.

  • Convert big pours into standard drinks before entering them: count a 16 oz strong beer or a double cocktail as two drinks, not one, or the estimate will read too low.
  • Start the clock at your first sip, not your last, because the calculator subtracts elimination from the full elapsed time since drinking began.
  • Use it before you go out to plan a cutoff time, not afterward to justify driving; the only safe BAC for driving is zero.
  • Remember the 0.015-per-hour rule when reading the result: dividing your estimated BAC by 0.015 gives a rough number of hours until you near zero.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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