Future Value Calculator
See what a single present amount may become under a constant compound rate.
Quick answer
Enter a present value, annual rate, years and compounding frequency. This calculator isolates the future value of one lump sum without regular contributions.
Formula and calculation
Future value = present value × (1 + annual rate ÷ compounds per year)^(compounds per year × years).
Worked example
At a constant 6% annual rate compounded monthly, $10,000 grows above $17,000 over ten years before taxes, fees and inflation.
Limitations
A constant positive rate is an illustration, not a prediction. Investment returns can vary and balances can fall.
Source and methodology
Investor.gov compound-interest resources. The source supports the general concept; ToolGemini uses only the values you enter and the formula described above.
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Frequently asked questions
How is this different from the compound-interest calculator?
Future value isolates one present lump sum. The compound-interest calculator also models recurring monthly contributions.
Does it adjust for inflation?
No. The output is nominal future value.
What does compounding frequency mean?
It is the number of times per year interest is credited under the model.