Future Value Calculator
Compound a lump sum with optional regular contributions to its future value.
Example values are shown — change any of them and the answer updates live.
$
$
%
years
Now10 years
Future value
$40,491.01
$10,000 + $100 / month
$10,000 today plus $100 per month at 8% annual return for 10 years.
Contributions$22,000
Growth$18,491
Total return$40,491
Illustrative only — market returns are never guaranteed. Taxes and fees not included.
How future value grows
Step 1 · Lump-sum growth
FV(lump) = P × (1+r)ⁿ
P=10,000, r=0.08
$28,491
Step 2 · Contribution series
FV(series) = C × ((1+r)ⁿ − 1) ÷ r
C=1,200 / Year
$40,491
Estimates under the stated assumptions, for illustration — not financial advice.