Future Value Calculator
Calculate how much your investment will grow to in the future with compound interest.
Calculate Future Value
Future Value Results
Understanding future value
Future Value (FV) calculates how much an investment or series of payments will be worth at a future date, considering compound interest.
FV = PV × (1 + r)^nFV formula for regular payments:
FV = PMT × [((1 + r)^n - 1) / r]Where:
PV = Present Value (initial investment)
PMT = Regular payment amount
r = Interest rate per period
n = Number of periods
Example:
Initial: NPR 1 lakh
Monthly: NPR 5,000 for 10 years at 10%
Future Value = NPR 12.6 lakh
FAQs
What's the difference between FV and compound interest?
FV calculator handles both lump sum and regular payments. Compound interest typically refers to lump sum growth only.
Should payments be at beginning or end?
End of period is standard for most investments (SIPs, deposits). Beginning gives slightly higher returns (annuity due).
How to use this for retirement planning?
Enter your current savings as present value, monthly contribution as payment, expected return as rate, and years until retirement.
What return rate should I use?
Conservative: 6-8% (FD), Moderate: 10-12% (mutual funds), Aggressive: 12-15% (stocks). Always use realistic estimates.
Does inflation affect future value?
Yes! This calculates nominal value. For real purchasing power, subtract inflation rate from your return rate.