Finance & Money
Present Value Future Value Calculator
Use this calculator to translate money between today and the future using a compound interest rate.
Future value
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- Growth
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- Present value
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Student quick launch
Grade planning, algebra checks, and formulas students reach for most.
Study path
Use this calculator with
Follow these when you want the formula behind the answer, a short lesson, or nearby tools in the same topic.
What the present value future value calculator solves
Use this calculator to translate money between today and the future using a compound interest rate.
Formula
How to use it
- Enter today's amount.
- Enter annual rate.
- Enter time horizon.
How to read the answer
Future value shows what today's amount may become after compound growth.
Common mistakes and edge cases
- Use the rate per compounding period in hand calculations.
- Returns can be negative.
- This lump-sum version does not include recurring deposits.
Worked examples
Ten-year growth
Future value
$17,908.48
Low-rate scenario
Future value
$5,520.40
Frequently asked questions
Is present value the same as principal?+
In this lump-sum model, yes: present value is the starting amount today.
Does this include monthly contributions?+
No. Use savings or retirement calculators for recurring deposits.
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Last updated: May 8, 2026