Estimate how savings or investments can grow over time with compounding and regular deposits.
Future value is the amount your money can become after compounding over time.
This calculator helps you connect contribution habits to long-term results.
You can test different return assumptions to avoid overconfident planning.
It is most useful when used with baseline, conservative, and optimistic scenarios.
Input your current starting balance.
Use an annual rate consistent with your asset mix.
Add monthly or yearly contribution value.
Select number of years for projection.
Review ending balances across multiple assumptions.
FV = PV(1+r)^n + PMT[((1+r)^n - 1)/r]
Future value combines compounded growth of the current balance and the future value of recurring deposits.
FV = 20,000(1.06)^10
Projected value is about $35,817.
Use full FV equation with periodic contribution term.
Recurring deposits drive most of long-run growth.
Re-run with lower rate for downside view.
Final value is lower but planning is more resilient.