Future Value Calculator

Your details

The lump sum you are investing today. Set to 0 to model contributions only.
Your expected annual return, after fees.
%
yr
An optional deposit you add every period. Leave at 0 for a pure lump sum.
How often you add the contribution above.
How often interest is added to the balance. More frequent compounding grows slightly faster.
Deposits made at the start of each period earn one extra period of growth.
Used to restate the future value in today's purchasing power.
%
Currency
Future valueTripled or more
$40,387.39
Starting amount$10,000.00
Total contributions$0.00
Total interest earned$30,387.39
Value in today's money$22,361.52
Total growth on money in303.9%

Future value: 40,387.39

  • Your 10,000 grows to 40,387 after 20 years, of which 30,387 is interest.
  • Compounding means each period earns a return on the prior period's interest, so growth accelerates the longer you stay invested.
  • Rule of 72: at 7%, money roughly doubles every 10.3 years.
  • After inflation, that future sum has the buying power of about 22,362 in today's money.

Next stepThis assumes a fixed rate and steady contributions. Real returns vary year to year, and inflation reduces what the future sum can actually buy.

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