Enter a present value, rate per period, and number of periods to calculate the future value of a lump sum.

How to Use the Future Value Calculator

Present value, rate, and number of periods — three fields, one lump-sum answer.

What's a sum worth later, given a rate and enough time? That's the whole question here — a single lump sum, not a stream of contributions, growing at a constant rate per period.

FV = PV × (1 + r)ⁿ

PV is today's value, r the rate per period, n the number of periods. Keep the units consistent — an annual rate needs periods counted in years, a monthly rate needs periods counted in months — since mixing them silently produces a wrong answer without any error to flag it.

This is the building block behind most other time-value-of-money calculators on this site: present value, annuities, and compound interest with contributions all extend this same core relationship in one direction or another.