Future Value Calculator — Compound Interest Formula & Growth Chart
Calculate the future value of any investment with compound interest and optional monthly contributions. Free, instant, and accurate.
Future Value Calculator
Results below
Enter Values
Total Principal
$10,000
Total Contributions
$60,000
Total Interest Earned
▲ $32,570
Effective Annual Rate (EAR)
7.000%
Investment Period
10 years
Compounding
Annual
Scenario Comparison
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FV Formula — With Your Numbers
FV = PV × (1 + r/m)^(n×m) + PMT × [((1 + r/m)^(n×m) − 1) / (r/m)]
FV = $10.0K × (1 + 7.0%/1)^(10×1)
+ $6.0K × [((1 + 7.0%/1)^(10×1) − 1) / (7.0%/1)]
= $102,570
Rate per Period
7.0000%
7.000000000000001% ÷ 1
Total Periods
10
10 yrs × 1/yr
Effective Annual Rate
7.000%
(1 + r/m)^m − 1
Year-by-Year Growth
| Year | Balance | Contributions | Growth |
|---|---|---|---|
| Year 1 | $16.9K | $16.0K | $919 |
| Year 2 | $24.3K | $22.0K | $2.3K |
| Year 3 | $32.3K | $28.0K | $4.3K |
| Year 4 | $40.8K | $34.0K | $6.8K |
| Year 5 | $50.0K | $40.0K | $10.0K |
| Year 6 | $59.8K | $46.0K | $13.8K |
| Year 7 | $70.3K | $52.0K | $18.3K |
| Year 8 | $81.6K | $58.0K | $23.6K |
| Year 9 | $93.7K | $64.0K | $29.7K |
| Year 10 | $106.6K | $70.0K | $36.6K |
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