Formula guide

Future Value Calculator formula

Future value combines compound growth on your starting amount with the accumulated value of recurring contributions. It is one of the most common formulas used for long-term financial planning.

How the input values are used

Starting amount (USD)

The numeric value in USD is used in the calculation; keep units consistent.

Monthly contribution (USD)

The numeric value in USD is used in the calculation; keep units consistent.

Annual growth rate (%)

The numeric value in % is used in the calculation; keep units consistent.

Years

The numeric value is used in the calculation; keep units consistent.

How to interpret the result

  • The result uses Starting amount (USD) and Monthly contribution (USD). Change one variable at a time to compare its effect on the outcome.
  • Check whether relevant fees, taxes, and timing assumptions are included before using the estimate.
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